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Spoke with Google Tech. You are correct re carrier:
Yes, in no uncertain terms, put bow on this:
Verizon version is CARRIER UNLOCKED. It works on the network you want. VZW, T-Mobile, ATT etc. will work in Europe though you need to understand the limitations and costs re roaming, network speeds etc. Probably similar in Asia and Africa though I never looked. Doubt this will apply in Antarctica yet

To your question:
Yes, in no uncertain terms, put a bow on this :
The only difference between the unlocked and Verizon version is the LOCKED BOOTLOADER.
Short story: If you are wondering if this is important for you, fuhgeddaboudit. You've answered your own question. It won't matter.
I bet most folks don't know what a bootloader is. I'm one of them, though I did root a Nexus using a "one touch program". It didn't do anything at all to advance my experience with the phone.
This question keeps coming up because we never heard the term before, and if we did the concept of a bootloader is opaque--It worries them to feel their VZW phone is somehow deficient. They don't know what a bootloader is, which means they won't ever run into the what it allows. Their experience with the phone will not be impacted in the slightest.
For those that care, they know precisely which phone they need. They know it because they understand all about bootloaders, rooting, flashing images etc.. And therefore they are able to make an informed decision as to whether it's important that they have access to the bootloader.