We don’t know. Those numbers are certainly plausible but it doesn’t mean they’re accurate. For all we know they are completely made up.
Punters and journalists seem to think they are get out clauses, and the player would’ve signed for just as long without them. Logic will tell you that’s bullshit.
For the clubs the PO represents risk, which can be difficult to quantify. The downside is a player losing value and remaining at the club when he’s unwanted. An example is Haze Dunster. You wouldn’t want too many players like him on the books. He would be overpaid for sure. I don’t have any inside information but he is obviously worth less than he was when he signed, and the value of the PO would be based on his value at the time, not post injury. That’s just logic, which is worth a lot more than any clickbait shat out by the likes of Michael Carayannis.
If Drown, Moses and Penisini activate their options it will be for an amount we (and the player) were happy with at the time. It would suck if those players only activated their options because they were crippled like Dunster but that’s the risk we accepted. We couldn’t have that much bad luck could we?