It happens the same way. This is just talking about rates. When naive B cells see that existing antibodies are already present on the virus they take that as a signal that memory B cells already exist and the search for new antibodies is called off. So there's a balance between the quantity of virus, how quickly the virus replicates, quantity of antibodies, how well the antibodies bind to the virus, and how many bound antibodies are needed on a virus to suppress the naive B cell response. Basically, if binding becomes less efficient you'd expect the viral load to have to get higher before naive B cells get significantly involved. And in fact the infection may just be cleared without involving naive B cells, but just take a bit longer. It seems unlikely that would be worse than not being vaccinated, but I'm sure the devils are in the details of all these factors.