It doesn’t matter. In both version you get only a code. In this time you never get the complete right on a game anymore. You just have the right to use it as long EA support the access. Because of this is not uncommon if you get banned you lose all access to you other games.
You know if you lose access to your boyfriend account you don’t get a refund. This is the risk which you go if you share accounts. You only save option is to create your own account and buy it there.
Maybe you could create an account and use the family option with his Xbox? before I stopped playing on console, I used this setup to play games which my other half owned. Its always better to have your own account, you never know if something happens.
