You're looking at it from a math nerd perspective. While I'd be hard pressed to argue 4/50 or 5/51, I'd have no issue with 5/55. Especially if you consider the age of the player. In this game, most guys looking at their first big FA deal are 28 or older. At the end of their 4 year deal, they're at least 31. In this game, 31 is an age where the physical skills are eroding or on the cusp of eroding. So some pretty good players go unsigned or, at the very least, aren't signed until FA is over and the asking price is greatly reduced. Now, moving it back to real life, I think most of us would like another 5m in guaranteed money for one more year.