Exactly.Same. It's been my shortsighted mistakes--and living with those consequences--that helped give me current perspective.
But at the end of the day, NIL is probably a great factor, but not sum total. I imagine a kid will go where NIL is offered over where it isn't almost all the time. But there will be other factors weighing in when deciding between 75k/yr and 95k/yr. Do you want to play in [frigid, arctic winters] winters with questionable coaching, whom you can't get along with, and little exposure, over life in [fill in the blank] with great coaches that you 'click' with, a star-studded cast of teammates, and expectation of draft exposure--all for an extra 25-30k/yr? (When you can live quite well until the NFL on what school (B) is offering.)
Most kids at P-5 schools are probably going to start expecting to get paid something. They will likely get something. But even for NIL's sake, you are better playing in a good situation that opens up future opportunities for you.