We used optical imaging and spectroscopic data to derive substructure estimates for local Universe (z<0.11) galaxy clusters from two different samples. The first was selected through the Sunyaev-Zel'dovich (SZ) effect by the Planck satellite, and the second is an X-ray-selected sample. In agreement to X-ray substructure estimates, we found that the SZ systems have a larger fraction of substructure than the X-ray clusters. We have also found evidence that the higher mass regime of the SZ clusters, compared to the X-ray sample, explains the larger fraction of disturbed objects in the Planck data. Although we detect a redshift evolution in the substructure fraction, it is not sufficient to explain the different results between the higher-z SZ sample and the X-ray one. We have also verified a good agreement (~60 per cent) between the optical and X-ray substructure estimates. However, the best level of agreement is given by the substructure classification given by measures based on the brightest cluster galaxy (BCG), either the BCG-X-ray centroid offset, or the magnitude gap between the first and second BCGs. We advocate the use of those two parameters as the most reliable and cheap way to assess cluster dynamical state. We recommend an offset cut-off ~0.01xR_500_ to separate relaxed and disturbed clusters. Regarding the magnitude gap, the separation can be done at {Delta}m_12_=1.0. The central galaxy paradigm (CGP) may not be valid for ~20 per cent of relaxed massive clusters. This fraction increases to ~60 per cent for disturbed systems.