Which of the following best explains why HDL is considered 'good' cholesterol in the context of CVD prevention?

HDL promotes reverse cholesterol transport by collecting excess cholesterol from tissues and plaques and returning it to the liver for disposal, reducing plaque progression.

HDL is merely an inert carrier with no impact on cholesterol fate or CVD risk.

HDL packages dietary cholesterol for delivery to peripheral tissues where it is trapped and increases plaque growth.

HDL converts cholesterol into saturated fats in the bloodstream to neutralize it and deposit it into arterial walls harmlessly.