I'm on the opposite side of this. I think kicking the can down the road here is the best course of action. Even if the price ends up being higher than we can negotiate now, if he turns out to be integral and has a similar effect to Martinez in our side then fine, we'll prioritise purchasing him next summer. And if he doesn't, we're in the clear. It also means we might pick up another midfielder this summer - maybe another option to buy loan perhaps - which is really needed.
A loan with an option is absolutely perfect in my view.