The latter. More practical, for two main different reasons.
You receive around 68K more in the long run, and you'll likely have an easier time managing your money as you've got more chances down the road in case you lose all of it for one year in the case of financial mistakes.
Nonetheless, I'd have all I need for a good lengthy while if I were to even receive $41,000 USD anyways. I'd like to say I'm rather careful with money and use it on whatever I'd actually be needing. Would definitely use some to help my parents, but not a whole lot in case they think it'd be right to start leeching off of it as a source.
...Though, I haven't really had any money for anything, so it'd be something new to work with, I suppose.
For genres, would you prefer Splittercore, or Hypertone?