Have to disagree there. Money is at least a big part of a decision. If the amount available to spend were unlimited it would be different, but a #2, by definition, is not going to be expected to carry a team. I really do not see the point, or wisdom, of spending (for example) 18m on a backup. While I'm sure some ppl reading this will say "who said anything about spending that much?", just take a look at how much mediocre, or worse, QBs are getting these days.
Perhaps I wasn't clear. My position is, given the 3 QBs named by the OP - Jimmy G, Minshew, Dalton - the money difference, according to 2022 contracts, isn't that significant.