Your first sentence I'm on board with, but the second is just pure speculation, unless you mean they should pay any premium to get him. I don't see him as that kind of pitcher, and apparently neither do they, or so far, any other team. Cool if you disagree, no snark.
In any case, with it down to pillow deals, even if the Sox are willing, chances are so will others that may be more attractive to him. And again, what premium would it take, and opt-outs when?
We also don't have any idea how Breslow and Bailey feel about Monty as a pitcher, and how he fits into the plan on the terms he's willing to accept. With everyone seemingly focusing on the budget, we've done little talking about that. It matters. Especially if they are looking at all kinds of ways to improve the pitching now and in the future, which I'm 100% sure they are. They can't afford not to be. Their legacy and reputation is on the line.
Of course money matters, and it matters a lot. There's just a lot more to consider, including years beyond this one, as well. And I'm someone who would be personally thrilled if Monty signed with the Sox on a 4 year deal with an opt out after 2, but I don't have the information B&B do and have no idea if me being thrilled would actually be good for the team.
I also have little doubt that if Monty gets a one year opt-out offer somewhere else, matching it won't be enough, though I've come around to not hating the idea of him here on that kind of deal. That's largely because of what I've seen this spring, which is this Sox team looking like anything but a door mat. Monty or not, this team is going to be interesting and a lot of fun to watch.