Well all your points are irrelevant too!
Just kidding.
As far as the money is concerned, though, what does 'competitive offer' mean? I'm pretty sure Miller was looking for the most he could get, plain and simple. It represented quite possibly the one big payday of his career. I'm guessing we would have gone as high as 4/40, but it's quite likely the Yanks would have stepped that up. And in any case you're talking about by far the most money ever paid to a reliever with one career save.