Sounds like you need a deeper cassette lockring tool, similar to how you get deeper sockets.I've had issues with both. But generally both systems work well enough.
For bolted, occasionally similar experiences to rentedmule. Also if you thread/snap a bolt, it's a serious pain.
For centre lock, sometimes due to the design of the hub/axle - sometimes I've not been able to get a tool onto the lock ring without removing the axle (which frankly is a massive pain in the backside).