The roaches. At least you know their true nature, not surprising to find them there and, in days of high frustration, one can go up and stomp a few for that crunchy sound of bug demise.
Ive dealt with a few though, its not really as bad or as hard as most people think. Its just about being thorough and sustained, you arent going to get them all in one hit. It just takes a few months of regularly repeating the basics of bombing, baits and spray.
Personally, I’d go for the person. Roach phobia entirely not factoring in here.
My attic is over a detached garage. If someone can access that space somehow, and wants to live there, whatever. It’s roomy enough to be fairly comfortable, tho you can’t stand up straight, and it’s insulated with electric outlets, so I’m not suuuuper likely to find a frozen person in spring. Not great, but as long as they don’t leave a mess or whatever, meh, doesn’t harm me any beyond electrical use. I probably wouldn’t even find out about it for a long time, since I never go up there; the ladder is duct-taped where it cracked at some point, and I can’t be bothered to replace it.
Roaches, however, would not stay contained to the garage. That’s a deal-breaker.