I based the last two panels on Barrow and Tipler's work, but it's worth nothing there is at least one dispute on that. In The Evidence for Fine-Tuning , Robin Collins argues that even if the neutron were less massive, there might be a path for two neutrons to covert into a deuteron (a proton and a neutron) and an electron.
"Since these sorts of conversions appear to be allowed, the only effects we can immediately deduce that a moderate decrease of the neutron mass would have are that stars would burn very differently and that stable nuclei, including hydrogen, would shift towards having a higher proportion of neutrons than we presently find. I know of no current well-developed argument, however, that these effects would inhibit the existence of intelligent life. This is an area that needs further exploration."
A good theoretical model of what the universe would be like in such an instance is lacking. And it would require that such a mass differential to be a very moderate one--i.e., within prescribed limits.
NEXT: ANTIMATTER ANGST AND ANOMALIES