"NIL"/bag-man money and conference payout money are really different. They come from different pots of money and are on a different scale and timeframe.
My understanding is that OU's comfortable delaying the move to the SEC because of money and because now the Sooners want to get their roster in order prior to the move. Re NIL/bags, I think OU's offer here and behavior with other recruits indicate that the Sooners are going to the Clemson model of pushing religiosity and paying players/families.
The Overton family has ties to all three of UGa, A&M, and OU. Of the other two, Ohio St makes sense because of Larry Johnson's track record, and they pay their players.
If money is a primary determinant, Oregon is the team to look out for. Lanning was LB coach at UGa so I doubt (someone please correct me if I'm wrong) he (Lanning) would've been Overton's primary recruiter. Oregon and Lanning could use another top DL recruit to be the face of their otherwise nondescript class (#25 overall, no players in the top 100).