Is there any kind of interest on this delay? Otherwise it's an involuntary zero-percent loan to the government, so, given inflation and fees for borrowing money, it's a net loss either way.
b) It’s not a bad salary for an individual, but supporting a family of 3-5 on $155k does not leave a lot of room for error
I don't know where this assumption comes from. I'm not. With the increasing number of people living paycheck to paycheck, your "couple more weeks" means a growing risk of homelessness among other things.