Chris, As you point out China does not have the funding/planning issues that Congress poses for NASA. But, neither does SpaceX. So predicting SpaceX technology development timelines should be more like predicting Chinese timelines. My point being that if you think China can get to the Moon before SpaceX, starting from now, you need to work with the proper development rates for each. At this point, only NASA had been to the Moon, and it can't get back without SpaceX (or maybe Blue Origin), and neither SpaceX nor China have gotten there yet, but both are working on it with their own funds. Of course, China doesn't need FAA and EPA approvals.
Regarding launch safety: Space X had a more reliable system because of its use of so many rocket motors per stage. So, a problem with one, or maybe even 5 of SuperHeavy's motors would not likely prevent attaining orbit. Yes, there could be common mode failures of many engines, and there could be other problems that could blow up the whole stage. But, avoiding strap-on solid rockets also avoids a lot of the potentially disastrous failure mechanisms, including the ones that killed the Challenger crew and caused problems with the second Vulcan launch.
But, one issue with StarShip is that it is apparently going to require the "chopstick catch" for landing, so an abort of some sort that puts it down in another location, especially at sea, would be more of an issue than for the Orion capsule. I am waiting to see how that issue plays out. Maybe retractable legs for crewed launches? That might be an issue for effective heat shielding of the leg mechanisms during the belly-flop reentry.