$150k per year for the rest of my life would be way more than enough for me and the lifestyle I want to live. I currently make less than that, but still have enough to invest and donate to charity, so this would be just a straight, guaranteed upgrade with zero changes to my current life.
I understand that I could make more with the steps option, but I’d be thinking about it. Any time I was off my feet, I’d be thinking to myself, “I’m missing out on money right now”, and I don’t want to have that nag for the rest of my life. Give me the no-work, no-change, fully automatic upgrade over the steps option every day of the week.