It's not dumb. Many subtle differences but I guess the biggest one is that with Payload the receiver can see the proposed files and sizes, choose dst dir and ac

It's not dumb. Many subtle differences but I guess the biggest one is that with Payload the receiver can see the proposed files and sizes, choose dst dir and accept/decline, so you don't need to go on each device and tell it "I trust these other devices" before the fun begins.