To me it more depends on how you estimate the probability of being able to get out of the deal given enough time to try to find loopholes or other ways to break the deal.

Part of the "discounting future utilons" comes from the fact that we don't know the future for sure, and the further the future is, the less we know about it. That applies to (some?) smokers (who don't know for sure they'll have cancer) or some criminals (who hope they'll escape justice). That "oh, I'll see when we'll get closer to it" mindset is to a point reasonable - there are many problems you can solve later. But humans tend to not multiply right - a high chance of cancer or long prison term should still outweigh the temporary gain. Or a high chance of infinity of torture.