So my understanding is that it has something to do with the (differing?) lifetimes of c and u, but I'm confused and at a standstill on how to fix it. It's driving me crazy.
I'm also not sure why the error message is referring to a line that has nothing to do with the offending line?
In the former case, the lifetime of the inner strings of the three parameters are all unrelated, whereas in the latter case the lifetime of the interior strings are all the same. Generally speaking, the lifetime of inner objects can be less flexible because &mut makes the lifetimes invariant (can't ever shrink) rather than covariant (can shrink if needed). In this case, omitting the top-level lifetimes has no impact, but the inner lifetimes really matter because of &mut.