I agree that most teams, including the Cubs, have a number they're willing to bid up to for every player that they won't go past, including for a Ohtani. There's a number where Ohtani makes sense, and there's a number where he no longer makes sense, same for every player. This is the same for pretty much anyone bidding on anything.
There's some fans (not saying it's JD94) who say "the Cubs shouldn't be worried about the numbers, if they want Ohtani just go out and get him", but that's not the way it works, and it would be irresponsible for any team including the Cubs to act like this. At the end of the day, a team's payroll has a finite limit the owner is willing to set and the Cubs need to build the best team possible using that limit, which means not being foolish and drastically over-paying for players.
My one worry is that Ricketts and the Cubs will prioritize Ohtani for all the extra profit he will make ownership rather than how much Ohtani will improve the team, and pay him based on that profit-generation rather than on his ability to make the team better. In other words, I don't want the Cubs to be stuck with a crazy Ohtani contract that will make Ricketts lots of money but over the long term not be what's best for the Cubs winning as many games as possible, which is all I care about.