DaRon Holmes, a first-round draft pick and former teammate of Koby Brea at Dayton, tore his achilles in his first summer league game for the Denver Nuggets. He could have commanded about $2m in NIL if he had returned to play college ball, but he's guaranteed $6.3m if he never plays the same again and two years of contracted NBA service time with his rookie deal (3 years are needed for pension and lifelong medical coverage). Even if that NIL sets you up nicely for the rest of your life, nothing replaces that extra NBA service year toward your next contract, pension, medical, etc.
https://www.espn.com/nba/story/_/id/40551555/nuggets-daron-holmes-tears-achilles-summer-debut
https://www.espn.com/nba/story/_/id/40551555/nuggets-daron-holmes-tears-achilles-summer-debut