This article presents a comparison of two finite-temperature BCS--Bose-Einstein condensation (BEC) crossover theories above the transition temperature: Nozieres--Schmitt-Rink (NSR) theory and finite-$T$ extended BCS-Leggett theory. The comparison is cast in the form of numerical studies of the behavior of the fermionic spectral function both theoretically and as constrained by (primarily) radio frequency (rf) experiments. Both theories include pair fluctuations and exhibit pseudogap effects, although the nature of this pseudogap is very different. The pseudogap in finite-$T$ extended BCS-Leggett theory is found to follow a BCS-like dispersion which, in turn, is associated with a broadened BCS-like self-energy, rather more similar to what is observed in high-temperature superconductors (albeit, for a $d$-wave case). The fermionic quasiparticle dispersion is different in NSR theory and the damping is considerably larger. We argue that the two theories are appropriate in different temperature regimes with the BCS-Leggett approach being more suitable nearer to condensation. There should, in effect, be little difference at higher $T$ as the pseudogap becomes weaker and where the simplifying approximations used in the BCS-Leggett approach break down. On the basis of momentum-integrated rf studies of unpolarized gases, it would be difficult to distinguish which theory is the better one. A full comparison for polarized gases is not possible since it is claimed that there are inconsistencies in the NSR approach (not found in the BCS-Leggett scheme). Future experiments along the lines of momentum-resolved experiments look to be very promising in distinguishing the two theories.