We've eaten at both of these restaurants, and I would say the food quality is fairly similar. We've had very good service at both restaurants, so that wouldn't be a factor for us. There's no question that Yachtsman is a calmer, more upscale environment, though. My choice would be Le Cellier at 1 credit, rather than Yachtsman at 2 credits, unless a calm, unhurried atmosphere was really important.
Cheers,