Firstly, I never claimed you said he was better. I was simply using him as an example as he is the current world champ and all.
Secondly, there are many reasons why he could have picked Ferrari. Of course there is the money aspect but I think the bigger attraction was the fact he could make Ferrari what he wanted it to be. He saw an opportunity to build a team round himself and he took it.
I also don't believe Schumacher is the kind of person that would take money over success. The money was just a bonus. He works, or should I say worked, incredibly hard at what he does and despite being in F1 for 15 years he obviously still has a passion for it. I don't believe retirement was his first choice.