What are the Differences of Cosmos and Polkadot

[hodllord]

As we all know, there are crypto currency blockchains which is so big and hard to understand, just like Cosmos and Polkadot.

I know that both of them are targeting for blockchain interoperability, but I saw that too many people are still saying that there are differences with those 2.
I tried to scour the internet and saw some differences but it is too technical and can't understand much of it.

*So can anyone with great knowledge about this 2 blockchain give us the differences?
*Do you prefer one over the other?
*In terms of long term investment what will you choose?