Simon's is definitely the better of the two. (Will have to check for any mention of the long claw-like nails, though.)
I think superartist's problem is that he sees the Navigators as monsters in some way. They weren't.
They may have been misshapen, even repulsively so, but they were still human beings gifted with incredible mathematical skills and prescience.
They weren't starving zombie mummies.
The fingers weren't supposed to be claws or nails, more like elongated bone under the skin. I sort of imagine Navigators with long slender fingers which accentuate their webbed hands.
On that note, I generally tend to think of them as elongated, as an effect of living/continually mutating in zero g. I've never thought of a Navigator as "fat" or "bunched up".
In regards to SuperArtist's take: I really liked the eyes! Very cool. I sort of thought of their eyes as tiny and atrophied due to Navigators not really needing them to "see".