The thing of this discussion is, moranis is in a convenient position. There's a good chance it's going to look like he was right. Whether they pay him only what moranis thinks he's worth, or 20 million, it's going to really impact their roster. They've had a huge advantage in getting quality production from the QB position at a bargain basement price the last 3 years. To some extent, they've benefited with having young, cheap talent all over the roster that they are just now having to pay to keep. At some point, that ends at the QB you stick with Wilson, or really any QB as a long-term solution. The actual amount is almost inconsequential unless they go completely bonkers.
Basically, the fundamental question is whether they should commit to Wilson and make the corresponding adjustments to how they build the roster, or attempt to continue getting good QB play on the cheap. Once you've settled on the first option, quibbling over a few million dollars is a mistake, IMO. And the second option is playing russian roulette with a team that's ready to win now. Which might sound like a novel idea if it's not your team.