God I hate to even at a top line agree with Tom but except for the handful of clinker like the Rockies I do think the differences between FOs at this point are minimal. Like I'm not sure there are more than 2-3 teams where I'm jealous of their front office. That's not saying that the Cubs are 3rd or 4th, it's saying the difference between 3rd and like 11th is pretty small.
There's a spectrum of conservative vs. aggressive, which is heavily influenced but not totally determined by resources (and expectations of future resources). There's also some actual daylight between teams in terms of scouting and player dev, which also has some I would say medium influence from resources. Hoyer is *clearly* one the most conservative team leads in the league, but also this team is IMO clearly in the top third of the league on a scouting/dev standpoint.
So on the one hand this team is sitting pretty right now. The team is good, there's a bunch of young talent performing right now, and a bunch more close to being ready. If you were drafting teams based on how many wins you expect they'll pile up the next three years, I don't think you'd need two hands to count teams you would take ahead of the Cubs. All that sounds pretty great!
On the flip side, each of the past few offseasons have felt one move short. In particular in '23 leaving those wins on the table clearly cost the team a playoff spot. Maybe it ends up being worth it, but there's currently a hole to dig out of.