~나 보다 is a very wild guess where prejudice/stereotype is involved rather than analysis
while you have your reasons for thinking that way in case of ~는 것 같다
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점심을 안 먹었나 봐: It seems you/he/she didn't have your/his/her lunch.
점심을 안 먹는 것 같아: I think (and I have good reasons to think) that [a person] is skipping on lunch (on a daily basis)