It's a fair frustration and a common one. Planners can interpret situations differently depending on their training and experience, so two planners sometimes give different answers to the same question.
The NDIS knows consistency matters, which is why planners work to published Operational Guidelines. You can read them yourself on the NDIS website. Knowing what the guidelines actually say is a genuinely powerful position to be in.
And you're not stuck with an answer that doesn't seem right:
You don't have to navigate this solo. Email hello@providerchoice.com.au and we'll help you work out your next move.