I don't see how your response discredits Billsflyer's point. Think of it like the housing market. You can use your equity to pay cash for a house now, or you can take out a loan because you think a better house will come on the market in a year, but then you are saddled with that debt. The debt is only worth it if you believe the second house to be far superior. If they are even roughly equivalent, use your equity to pay cash (use your own draft pick). It's the best analogy I could think of on the spot.