Agreed
There is a reason both stories seem to have a ring of truth IMO. Because they are.
Harry was in Toronto in May and met Meghan at a party. She would likely be invited due to her friendship with the likes of Sophie Trudeau. Harry flirted with her a bit and they exchanged phone numbers. But other then text messages, it never went farther then that. Meghan likely didn't take it too seriously. Harry has a bit of a reputation for being a playboy.
Then later in July she was in London. They met up for lunch at the restaurant run by a friend of them both. Perhaps the friend had heard about the texts and tried to give a gentle nudge. Perhaps it was accidental? Who knows. And that is where her and Harry really started into dating.
We don't know for certain whether they met beforehand in May, but it seems highly likely and there's certainly been a lot of gossip about it. However, people could be gossiping from inferring that they met simply because Harry was in Toronto in May. However, Meghan may not have been in Toronto at the same time. To me, there seems to be truth to the rumors that Harry was texting Meghan, so they either met briefly, or like I said before, he saw her on
Suits, or he came across her on social media and became intrigued, and then noticed that they had mutual friends.
Your scenario seems plausible as well, although if Harry was texting Meghan, the rumors are that they discussed meeting up when Meghan was next in London, which was late June through early July when she planned to attend Wimbledon as a guest of Serena Williams. It's also possible that supporting cast and some crew members on
Suits may have overheard Meghan discussing Harry's interest in her during May and June, and they may have assumed that she'd met him, when once again he may have first made contact via text and social media.
I initially thought they happened to casually meet by chance at Soho House in London at the end of June via introduction by Markus Anderson. Now, I think there's much more to it than that. There was some kind of contact between them beforehand, whether or not they actually met briefly prior to July. I think previous contact before July is especially likely since they share mutual friends.
There was an open question posed about why the interest in Meghan and Harry. My answer is pretty straightforward and superficial: I like weddings and love looking at all the fashion choices. That's it.
Well my interest in Harry stems from the fact that I have been following the British royals for awhile, and I've read a number of books. I was very interested in Diana when she first came on the scene. And I was fascinated by her royal wedding. It was such a happy experience watching the tape of her wedding. However, that was the gaudy 1980s and it was proven to be an overblown, misguided fairytale. Then came the tragic 1990s, and the knight-in-shining armor fairytale myth was blown to smithereens for all time. What remains is Diana's genuine-hearted kindness and her love for her sons. And the admonition to be your own champion. If you wish to indulge in good time fairy tales about living happily ever after, recognize the fallacies and take it all with a huge grain of salt.
I can remember when Prince Harry was born, and so it's nice to see him find love. I was happy for William and Kate too, but I didn't follow them as closely. I'm more interested now because Meghan is American and an actor, which is unusual for someone dating a British royal prince. My interest would stop there, except that once I began to read about Meghan's background, and I read some of her writings and saw her interviews and watched her
Suits trajectory, and above all viewed her delightful Instagram posts, I became very impressed by her personality, and her articulateness, and her genuine warmth, her love for rescue dogs, her sense of humor, and her spirited desire to encourage others in need.
I like the 'freckled goddess' meets 'bearded fool' variety of love story. H&M met on equal terms and fearlessly bared their hearts to each other and filled the empty spaces and recognized themselves in each other, and were buoyed by their mutual desire to encourage others and to use their status and success as a platform to benefit those in need.
M. Payton, you asked that same question earlier and someone here already answered it, so you must have missed it. The shirt is designed by Meghan's designer friend, Misha Nonoo, and the shirt design is called, "The Husband," which is likely a reference to ladies sometimes wearing the oversized shirts of their husbands or boyfriends. The person who already answered this question did a better job of it than me, but I don't remember how many pages ago it was already answered. 
Meghan and Harry were just out and about together two days ago, looking very comfy and intimate publicly. Meghan is reportedly currently staying with Harry at a swanky Toronto hotel, where he's residing for the duration of the Invictus Games. More than likely Meghan will appear again at the closing ceremonies. The question @Frelinghighness is, Why are some people seemingly unhappy about M&H being happy together? ? Is your thought that they 'may have broken up already' wishful thinking? 
Wiki is our friend, as are Google, and Youtube, where there's a delightful & fanciful video montage of Angela & Max, entitled “Your Prince Will Come.” 
