Whether its Duff, Ferdinand, or Zidane, if you think that player will make you a better team & able to win trophies, & you can afford the fee then its not overpaying. However if that player doesn't perform & or you don't win, & you can afford the fee really, then you overpaid. United wouldn't pay the fees for Ruud, Seba, & Rio. So far they didn't overpay on Ruud, they did on Seba, & Rio we don't know. If they can afford 20million for Duff & he helps advance the cause it will be worth it.