Earle, I'm pretty sure you aren't lacking in understanding, being one of this boards senior mods (and elders). And very well-respected.
There are others who make mention continually of the money factor, and no doubt it is a very big one with the injury possibilities, as you mentioned. But some people (and I'm not saying TR is one, but...) put accomplishment over ANYTHING else; they simply want to be the best. And some want to realize a dream, and for some that is a college degree (I know, he can always get one of those anytime).
didn't mean to ruffle any feathers (?), just saying what may be on his mind. I didn't see the interview, so I don't know how emotional he was, but he's usually pretty well-reserved in that regard. If he got emotional, maybe then as Doc said, that's where this talk is coming from.
Just from what I know and have heard (whatever the right choice for him), I wouldn't bet on his staying or leaving.