Hello Prasanna,
The use of an universal background model (UBM) model is handy when you have not just A and B models, but a lot of models, such as in an realistic authentication system.
If you compare each individual to every other, then the number of comparisons scale exponentially with the number of models in the dataset. With an UBM you're trying assess the likelihood individual A looks more like individual A than mr. nobody (represented by the UBM).
As you'll see in many cases and dataset evaluations that this is enough to distinguish individuals uniquely while still normalising the scores a bit (by the UBM). The UBM-GMM system have less scaling issues than the other solution comparing each model to every other in the dataset. I hope that is clear.
If you have a problem in which you only have 2 classes, using an UBM makes no sense and the approach you suggested would be, therefore, a better solution.
As for the >= operation on the comparison of thresholds, it is an arbitrary decision in the software framework. It could be done in the other way as well. I'm not sure you'll find discussions or justifications for this.
Best, Andre