The 'insure' part is the killer. Most college football players want to play in and win higher end bowl games, but with potential millions hanging in the balance, it just doesn't make sense, especially when there's additional incentive to spend that time training for the combine to increase your measurables which can also be worth millions more than playing in the bowl game. It's honestly a sucky situation where fans don't get what they want and players need to sacrifice their own short term desires for a much better long-term financial security.
From a risk standpoint, it's an incredibly poor choice to play in a bowl game if you are fairly certain to be drafted. So when a player does decide to take that risk, to play that final game for their team and school at the sake of their own future, that's special. It really is. I have a feeling Luke might be one of those guys, despite him knowing it's not the smart thing to do. But even if he opts out, I applaud all he's done for the program and the joy he's given us over these part years.
And if Luke does play, we do not lose this game for him. You send him out a winner and may he have a Heisman worthy performance while doing it.