I didn’t vote for Biden in the 2020 primary and I don’t disagree with you on those points. That easily could be how it plays out. I just think if Biden resigns, there’s a high chance of a split in the party (after a contested convention) and we’re all imagining a new candidate we like (or just a “generic democrat”) replacement rather than a real person who possibly has baggage, hasn’t been tested on the national stage (or was bad on it like Kamala Harris), or won’t be able to unite the coalition that backed Biden in 2020.
Basically, I think it’s a huge gamble this late in the election. Biden shouldn’t have run again and when he did, should have faced a real challenge in the primary. But that isn’t what happened and now I think changing course over one debate isn’t worth the risk.