f you take it you get less VC and you get a Billboard "Born to Assist" when you Hold Off you get more VC forgot the exact amount, a Billboard with "Cliff Paul" and "CP3 Argyle Kicks for your MyPark/Home Scenes". Even if you hold off you would still get the other endorsements as long as you play well. I hold off on both of my saves to get more VC and both got the Sprite Endorsement and Shoe Endorsement so its fine if you hold off.