While I agree that Mitch is not the best with contracts, Stoops would owe UK $4.5 million (used to be $1.75 million) if left after this season (that number decreases by $500,000 each year of the contract).
And I definitely disagree with your first sentence around the football program, especially the structure of his contract. The 75% buyout number much in the middle in football contracts today:
Heupel's is 100% at UT
Jimbo's is 100% guaranteed throughout his contract.
LSU is 90% with Brian Kelly
Shane Beamer is 65% at USC
Drinkwitz is at 75% at Mizzou
Napier is at 85% at Florida
Hugh Freeze is 75% at Auburn
Arnett is at 50% at MSU
Arkansas is one of the few teams in the country that does a tiered buyout based on performance. If he has an overall winning record, he will be owed 75% but if his overall record is below .500, he would be owed 50%.