I agree that Harbaugh wouldn't have come here, but it wasn't for the reason you mentioned. He wanted to stay in the Bay area, and I'm not sure JR would have been willing to put up the kind of money he was looking for.
Our roster was not bad at all when Rivera took over. We had a #1 pick, great RB's, what was thought at the time to be a very, very solid o-line, a great LB corps (remember, Beason was still "healthy" back then), and a secondary that featured Gamble and Godfrey (which many analysts seem to value more than we do). Our cupboard was far from bare.
Harbaugh has also turned over a big part of that roster since he took over, so it's not like he had a team ready-made.
That too, but I still won't concede that the 49ers had (and still do) a much better roster.