... I think if he had it to do over, he would have asked for half a million like McCoy.
One of the biggest over-looked clues to the case in my view is Cooper's request for only $200,000. Did he have prior knowledge that the Feds only had 250K on hand? It appears he might have known about the size of he stash. If so, how did he know?
Plus, if he had asked for 500K and had to wait interminably for the Feds to get it, it might have screwed up his plans.