The domain name has less bearing as an indicator when your ranking is determined than most people realise.
As you say if all other things are equal then the margin between the two domains you mention is negligible.
70% plus of your SERPS will be determined by the number, quality and relevance of your backlinks. Of the 30%ish that is down to onpage then the url pattern is an almost insignificant amount.
For example if you search for "car insurance" on Google of the top 10 results none of the domain names have the word "car" in them and only one has the word "insurance" in it.
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