What Is the Practical Difference between “Opt-in RBF” and “Full RBF”?
The practical difference lies in the replacement policy of network nodes. Opt-in RBF (BIP125) requires the original transaction to explicitly signal its replaceability by setting the 'nSequence' field.
If the flag is absent, nodes generally won't relay a replacement. Full RBF is a node policy where any unconfirmed transaction, regardless of its RBF flag, can be replaced by a new, higher-fee transaction.
Full RBF maximizes the fee market but completely invalidates 0-conf security.