Cosmos SDK vs Substrate

I’ve been doing a lot of research on the Polkadot and Cosmos.

Polkadot chains are built with the Substrate “tech stack” whereas Cosmos chains are built with the Cosmos-SDK.

Is this a fair/safe comparing relationship of each’s respective technologies?

Outside of these tools, seems like the major difference is that the Polkadot is more of a VM where you can natively compute contracts and logic, whereas Cosmos is more of a datastore/database.

This post is a good comparison/primer: Polkadot vs Cosmos