I agree with the OP.
Cousins is high risk, high reward.
Okafor is low risk, moderately high reward.
Cousins will likely cost a core player, the brooklyn picks, and some of our best young prospects (Rozier, Smart, Brown). With Okafor we likely keep the Brooklyn picks and core intact. Cousins talent is undeniable, but his personality is a major concern. He's a gamble where you could lose everything you put in and I personally am not in favor of screwing things up by trying to rush the process.