When your justification is an uncertain investment, it isn’t that hard of a concept to realize you’re wrong. You’re literally the only person I’ve ever seen advocating for the lump sum payment as the financialyl sound move when it quite nearly halves 100% sure income.
Inflation is also much less of a concern when you’re talking about literal millions of dollars, unless you’re talking about the Zimbabwe national lotto. If you’re living in a way that your ability to live with $15,000,000/year towards the end of a 30-year annuity payout has materially changed, you have bigger issues than inflation going on.
My first OS was whatever ran on a Commodore 64. I guess the Commodore kernel and Basic?
My first distro was whatever version of Fedora was current in the fall of 2008. I’d gone to university that year and my laptop crapped out. Couldn’t afford a legit Windows license at the time to replace it, and I’m pretty sure I just remembered that Red Hat was a thing and found Fedora that way. One thumb drive and 16 years later, still using linux, so I guess that was about the only good thing to come from my abortive first attempt at higher education.