The guys who calculate these things calculated that the present value of Bregman's deal is 95 million, not 120 million. That's 25 million dollars difference. That's a plain, simple, objective fact that you keep trying to dismiss, basically because "he's rich anyway and he'll get it eventually".
And "if he stays healthy" is quite the little qualifier when it comes to a 30+ year old baseball player.
I guess my overriding point is, if Alex Bregman took the Sox offer primarily based on the premise he would make more money in the long run, it was a very questionable premise, possibly even straight-out dumb. I don't think he's a dumb guy, and I don't think that was what he was thinking.