The row typed function is also less reusable for that reason.
If you have two fields of compatible type such that you can confuse which one to pass as a parameter, then it's likely you're not making enough domain specific type distinctions that would disambiguate these fields.
If these fields were really compatible domain specific types, then it's more likely you would want to be able to use that function with both fields at some point. Row typing then either hinders this reuse (not good), or requires you to refactor to encapsulate both fields in a new record with compatible fields and pass that in (maybe good?). This is code you wouldn't have to write without row types.
But as I said, I would like a concrete example to discuss if anyone has one. Speaking in abstract like this isn't likely to be convincing either way.