I have my doubts for various reasons and I think you should too given they seem to be an online friend who doesn't have any time to answer your questions. Regardless even with a perfect credit score you don't get 0% rates for everything especially in today's markets. It's unlikely your rates and your friends rates would be very different if all other factors except the credit score were the same since you are both in the same category.

Chasing a perfect score isn't worth it if you are already in the best rating. It's just a number to brag about at that point.