IMO decision has to be made on the basis of present situation and not by extrapolating how things would turn out in future.
Time is of supreme essence, it is a resource like King, queen and pawn , when a player times out , they should be declared defeated.
I came back here to play after almost an year of break and i was surprised to find out the new rules of chess . Absolute nonsense .
Both me and villain were making frantic moves towards the end as time is running out for both of us , i survived with just 1 second left in the clock but the game is declared "Drawn" "timeout v insufficient material" .
Had i ran out of time, then i would have lost the game because opponent had "sufficient material" but he was timed out with "sufficient" material and the game was judged "drawn" . I'm calling BULLSHIT
Check out this #chess game: vakubi vs jowish26 - https://chess.com/live/game/13251713497