One and done is more about it gives you the opportunity to get 3 or 4 big contracts from the nba vs 3 or 4 years gives you the opportunity to get 1 or 2.
Dejounte Murray was one and done. He got a 120 million contract. He is only 27. If he turns down his player option he is right back in free agency at 30. Plenty of 30 year olds get large contracts in the NBA.
Derrick White played 4 years. He got a 125 million contract...at 31. He didn't get a player option so it just carries him until he is 35. Paul George, Lebron, and KD notwithstanding, most 35 year old's don't get paid very much in the nba, if they are even in the nba at all.
The difference between the one and done guy vs the 4 year guy might legit be 100 million more dollars primarily because one guy can jump back into free agency at 30 and one guy aint even get his payday until he was 31. And these dudes were drafted in back to back years.