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You know these days not every player fancies a move to Saudi Arabia, it is said that players who move to Saudi pro league only go for the money but most players prefer staying in Europe and making a name for themselves. We are yet to know Mateo’s decision, he is young and so I expect him to want to stay back and play in Europe.
Players need to think hard about their careers vs. how they will live after they retire. There are few players nowadays who are lucky enough to play for big teams and have a reputation with a high salary. In the case of Mateo Retegui, he will probably think about whether in the next 3 years he will have any chance of being in a big team in Europe where he will earn more salary and titles. After carefully analyzing this scenario, he can decide.
The Saudi league offers a lot of money for at least 2 or 3 years of contract and then European players can return to Europe and play in small leagues and who knows, return to a big league because this Club World Cup is showing that players who leave Europe for the Saudi league do not lose their skills in the Saudi league.
Retegui will certainly be weighing the possibilities you've mentioned, even if a move to Saudi Arabia ultimately presents a better financial option. Retegui is currently in his prime, and naturally, many European teams are also keen to sign him. If Retegui could secure a large salary by joining a top European team, he definitely wouldn't move to Saudi Arabia. However, it must be admitted that the offer from Saudi Arabia is very difficult to refuse because the figures are considerably higher. I believe players who move to Saudi Arabia will still have a strong chance of returning to Europe and playing for one of their favorite teams, because the indicator of assessment is individual performance and not the competitive level of the League. Atalanta reportedly wants no less than 50 million for Retegui transfer.