If we’re just drawing up contracts without guaranteeing anything I would do this

1M base year 1
1M base year 2
1M base year 3
And
88M base year 4

That way if he gets injured I only pay him 1M. And that way I can just cut him after year 3. It’s much better to guarantee nothing and backload like that. And since it’s not a negotiation, we just do whatever we want, this is much safer. If he doesn’t get injured i’d restructure and pay him 1M per year for another 4 years.