#2 is hypothetical. A knows the whole story. B dos not know the whole story.
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#2 is hypothetical.
A knows the whole story.
B dos not know the whole story. He does not understand.
A: You would have to know the whole story to understand. = If you knew the whole story, you would understand.
Hasibul Alam ... confused about 2nd one
It's an implicit second conditional.
You'd have to know the whole story to understand.
~ You would have to know the whole story in order to understand.
~ You would have to know the whole story if you wanted to understand.
CJ