Unsettling words costs 3 bard class levels and subclass pick to get and is very strong. It also requires resource expendature before you know it is worthwhile, level 5 to get the resource to refresh on a short rest, and more bard levels to boost its effectiveness (bigger die size).
Hound of Ill Omen costs 6 sorcerer levels, a subclass pick, 3 sp, and can be killed. It is also considered crazy powerful.
I don't think anyone sees either of these as OP. Niether require a spell slot or a reaction. Further, in general you are going to be able to use unsettling words more often than SB (with a 1st level slot) most of the time.
The ound of Ill omen is far, far better than SB (as it should be) doing a large number of things to include imposing disadvantage turn after turn.
It is a much higher cost and is less likely to work than Mind Sliver.Mind Sliver costs an action, requires a failed saving throw to eork, shaves 1d4 off only, and has to be invested in before you know it is needed.
For comparison: SB as a spell save reroll requires an action to do whatever causes the first save, a success on the first save to have the opportunity to cast SB, a reaction and finally "requires a failed saveing throw" to be effective. It also burns a 1st level slot.
As far as stacking, SB does not stack with either Mind Sliver or Unsettling words. These spells stat the die is subtracted from "the first saving throw it makes", that would be the save it succeeded on to trigger SB.
Hound of Ill Omen does not stack either. This imposes disadvantage on the first save. SB is not triggered until that is resolved and the save is a "sucess". Once triggered you can make him roll that die again, but it is just rolling one dice, not rolling with disadvantage again because it states "the d20".
Assuming the target succeeds, you can use SB after using any of these abilities, but note now you are forcing a straight reroll on an enemy that either succeeded with disadvantage or succeeded with a -2.5/-3.5 average penalty. This reduces the statistical power of the spell even more.
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