I understand that KD is a much better player than Cousins, but that money was certainly not there for Cousins when he was going into his FA in a similar circumstance.
I agree that at this point NYK probably just need to take a chance and go for it. Who really cares if they are bad for another year? They will get another high draft pick they can use in a trade next year. I assumed that Durant would just opt-in to the last year, but no reason to do that if max money is on the table over multiple years. I am sure he will come back at least 'very good', but there are no guarantees with this injury.