Risk reward calculations are in play too. That extra half a mil might be tempting knowing you are a career ending play away from your whole world changing. I don't even want to speculate on what I would do in your dilemma situation. Bird in the hand plus the prevailing "they will find you wherever you play" mantra, supported by the player introductions on Sunday complicates the logic.
In one way I think it will help the overall balance of talent when some schools will be willing to spend bigger money on a position than others. I think that is where we are on several guys, even when Spyre has the money in the bank. Player and family needs and priorities can very different, and I am not going to throw shade on them without knowing their circumstances. So some very talented guys end up places other than the top 5 when NIL was not a factor. How that impacts the remaining pool by position is TBD as they deal with the same decisions. Grew up a fan, home state hero, playing for a championship, playing time, game day experiences for the family, playing for a coach, and all the other factors are still in play too, but Where the MONEY TALKS falls in for players is more in play now than ever.