Thanks for the insight!
For some reason, most of the books I had checked recommended the dropping of the Bishop back to Bg3, so I took that almost as a rule of thumb. I've seen some Slav structures in which Black allows the Bf5 to be captured by a Knight in order to recapture with a pawn and set up pretty much the same structure you showed in the second example, only from the other side of the board.
Still, another possibility comes to mind:
I was too tired to realise it last night, probably; but now it seems to be an easy conclusion.
If I constantly get into problems when I get surprised by an opening variation, what would be the generally recommended course of action? Maybe it's not as bad a position as I tend to think, but some positions typically throw me for a spin, and if I thought I'd prevent it but then it appears anyway somehow, then what?
The problem might not be in the opening itself, but I seem to be bad at basic opening logic, or I see ghosts... or maybe I'd have won if I was generally better at tactics and stuff? I know some advice would depend on other factors in the game generally, but I'm interested in what you could give me as the default advice when in a dilemma. Something like "just capture the Bishop" or "monitor this and this pawn, and if Knight here, then your Knight ALWAYS here" or "ditch the opening"? I don't know, I just know it sucks to have to deal with unexpected stuff so early on... and I already study openings more than everything else, probably.