I would say that the list of kids who actually improve their draft stock by coming back for another year is pretty small. Not that I ever had to make that decision, but I think that if I did I would go at the first opportunity. There’s a few college kids who can make enough off NIL to set themselves up for life. The rest need to go as soon as they can.
Even having catastrophic insurance doesn’t cover for what you would lose if you get injured. That can only cover what you would have been projected to get at a certain draft range. And, you are still injured so you aren’t ever eligible for the big 2nd contract.
If Kuithe had gone after 2021, he’d be on his 2nd year in the league and halfway done with his initial 3 year deal. These guys have been betting on themselves all their lives. Why stop now?