You don't have to care but it does matter. If Nebraska is offerring a conventional deal earned over time and a school currently in the playoffs is willing to frontload a larger deal, disbursing funds within 24 hours you should take that deal every time. Rich or poor that's still a better deal. Sounds like Nebraska is moving more toward the Tech model this year
Some schools are more willing to overpay than Nebraska. Tech is one of those but there are others and a chunk of them made the playoff this year
Even on the qualitative side, its not like we've had a first round pick in the last decade. Nebraska has more money than Cockeye and 2 starters on their roster have turned down more money at Nebraska for the reasons you're describing