I'd say you can decide which you prefere, these are not rules set in stone
I count from the back of my armpits, I think that's most common. Some people do not count until hair gets stuck under armpits, that would be longer than just touching the crease. Many people take their length photos through the mirror, holding the camera above their heads: when hair is touching the crease then that would make it shorter than if you take photo with timer keeping hands down, at least on me.
Maybe the getting stuck under the armpits would be most accurate, as the way one is holding their head etc. affects the length photos so much.
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