I've never lived in TN. I grew up in the same town as Heath Shuler where practically everyone is still a Vol fan. UT is a national brand. You don't have to be from TN to love Neyland or the Vols.
You just lifted your leg on most of the great players who ever played at UT and more the likely most of the great players who will in the future.
Just a short list of guys you just labeled as lesser VFLs.... Shuler, Manning, Clausen, Martin Witten, Graham, Little, Bryson,... there are loads of them.
NIL is an influence. To some it may be the deciding influence. But if you have always just gone for the job who paid you the most then you've probably had a lot of misery at work. If you are more like these guys and had the opportunity to work in different states and have simply followed the biggest offer... then you've DEFINITELY given yourself some misery.
Hopefully you've had the opportunity to work for an employer that you loved... on a team you loved.... doing something you loved... that didn't forget to pay you. The guys who just go after the biggest NIL... will likely be in the portal at some point.