I think there is a middle ground here. There is an argument to take the best of both worlds with a second tier P4 team that still has money to spend but you would be their unquestioned #1 guy right away.Why? Always take the sure money. 5 star QBs are getting around 2/8. Nothing wrong with getting $2M to improve your game. Plus you burn a year of eligibility.
Stay away from the teams that have money to burn because they will happily pay somebody more if they think it will get them over the hump.
That is assuming the unrestricted movement that we are currently seeing doesn't change.