Which concise statement best contrasts LDL and HDL functions relevant to CVD risk?

HDL and LDL are functionally identical; both equally deposit cholesterol into artery walls.

LDL is a storage form of protein produced by muscle cells, while HDL is a digestive enzyme made by the pancreas with no role in lipid transport.

LDL delivers cholesterol to tissues and can deposit it in arteries; HDL removes excess cholesterol from tissues and returns it to the liver.

LDL primarily carries triglycerides to muscle and does not affect arteries; HDL deposits cholesterol in arterial plaques.