Go Surrounding Rules
The game is incomplete.

Literally nothing is "surrounded" here, and if the game ended in such a state nobody would get any points at all until you can mutually agree on which groups are "dead" and which ones are "alive", since right now, none of the groups are unconditionally alive.

Your first example presumes the inside black group is dead, the second example presumes the outside black group is dead. One could also make the case that both black groups are dead, meaning all the territory on the board is "surrounded" by white. Alternatively, one could argue that the white group is dead, meaning all the territory on the board is "surrounded" by black.

However, if everyone agrees that all the groups are alive (or, at least, can't agree that any of them are dead), then all territory is still disputed and nobody is actually surrounding anything.

If you can't tell which groups are alive and which ones are dead, keep playing until you can. Otherwise, any attempts at calculating the score would be guesswork at best.