Yes, from a business standpoint, Rafinha looks like a better purchase, but again there are some assumptions that could be false. First, Rafinha did have a fine display with Schalke; however, his performance at Genova has been quite medicore if not terrible (1st of the season). Yes, we bought him because we remembered his days with Schalke. However, if you looked at players like this could be quite damaging sometimes, like Adriano, Ronaldino and plenty more when were worldclass a few seasons ago and cant even establish a regular place in most of the European leagues right now.
Secondly, without signing a top class player for too long (last was Robben), Bayern's image will go furthur down players' mind. If that is the case, even if we do have budget in the future, players will still want to go to Man Utd or Real Madrid. You can kind of sense of the departure of Ozeil and Khedira is kicking on the back on us. I am sure Bayern can seriously offer 12-15mil Euros on either player but we didnt act on it because they prefer to play aboard and play at a bigger club.
I am not saying Rafinha is a bad player, but he could be a gamble for us. If he can retain his old form, thats great because we used 6mil Euros for a 15mil Euros player. However, if he plays like we played at Genova, it means we have wasted 6mil Euros, just like we did with Breno, Sosa, Dos Santos, etc