Firstly, you ignore the possibility that adding Love could result in the same thing as keeping Wiggins, i.e. no chip, in which case two years from now Cleveland wouldn't just be a struggle situation for Bron, but in the Love scenario a struggle situation with less flexibility and a dimmer future. More or less the same situation he just left in Miami. He also could be in the Finals, possibly even winning, with Wiggins. We don't know how good Wiggins is.

You act as if there are two choices: add Love and become champs, or keep Wiggins and don't become champs. That's just a completely ridiculous way to frame the options.

Secondly, you seem to assume Cleveland's only hope of retaining Bron is winning championships, when there's absolutely nothing to support this. I thought it was pretty transparent that the 2-year deal is in order to maximize his earnings after the new TV deal kicks in, and at that time Cleveland will be able to offer him the most years and the most money. Why shouldn't Cleveland proceed confidently with a strong shot at winning the East this yearr, while still putting themselves in position to compete at the highest level for years to come?

Basically you're framing this as "get Love or lose Bron" when there really are many, many more scenarios than just that.