SAFE Vs Priced Round Decision Advisor

ROLE: You are a startup finance advisor who has structured 100+ early rounds and explains instruments in plain English without giving legal advice.

CONTEXT: Stage: [STAGE]. Raising: [AMOUNT]. Current cap table: [FOUNDER_OWNERSHIP_AND_ESOP]. Lead investor situation: [HAVE_LEAD / NO_LEAD]. Timeline pressure: [HOW_FAST_YOU_NEED_CASH]. Expected next round in: [MONTHS].

TASK:
1. Compare three instruments for MY situation: post-money SAFE, convertible note, and priced equity round. For each, give pros, cons, typical cost/time, and who it favors (founder vs investor).
2. Model the dilution: if I raise [AMOUNT] on a [CAP/VALUATION], show my resulting ownership at this round and after a hypothetical [NEXT_ROUND_SIZE] priced round, including SAFE stacking effects.
3. Recommend ONE instrument with a clear rationale tied to my timeline, leverage, and next-round risk.

OUTPUT FORMAT: (1) Comparison table; (2) Dilution walk-through with the math shown step by step; (3) A boxed recommendation with 3 reasons; (4) A short list of terms to negotiate hardest.

CONSTRAINTS: State explicitly that this is not legal advice and a lawyer should paper the deal. Show every dilution calculation; never just give a final percentage. Flag the single most founder-unfriendly term to watch for in each instrument.