That certainly is a solid point, i could still patch a finsihed game but obviously it's much more eficient to fix and find bugs way earlier.
I just never felt comfortable with accepting money for an unfishied product. Just dosen't feel right.
I am well aware that its unlikely but if I would die in some kind accident before the game is finished I would never be ablee to finish it and all who payed for early access or donated would never get a full game.
It certainly is overthinking but something I am still worried about^^"
But I agree with you, I am a bigger fan of the other two options as well since it can influence the game way more and could make it a more fun and refined game in the end!