Just to reiterate the policy. You can have both if you want to purchase the cheese/fruit or want to wait for the service in Y to be finished. If you want the cheese/fruit prior to Y service for free then it is in lieu of your F meal. The change in policy is not to create an additional meal course, it's to offer an option for vegetarians or simply someone that doesn't want the F meal being offered. That's what many here have said they wanted for a while.
I'm sure that there are going to be FA's that are going to interpret the policy in different ways. There have been several recent changes leading up to this in a very short time, which has created confusion. None the less, the policy is as described above.