Yeah, I was just replying specifically to the comment I replied to and their struggle with the mental hurdle of paying more directly to the provider. I was just sharing what has helped me psychologically get over that hurdle and see the larger picture and how it is actually saving money.

For the OP, yes, the PPO absolutely makes more sense, mainly because the employer is fully covering the premiums. That's also why I don't really like the "standard" advice for HDHP/HSAs, since the specifics of the plans and expenses are really what determines if its worthwhile or not. I don't really think there's a good one-size-fits-all (or one-size-fits-most) rule for HSAs.