One of this scenarios would leave me without job, another one would push me to quit my job. Outcome is the same, but bad team is likely to cause a lot of frustration first.

No, one scenario is slightly better because it gives you the choice to quit. In the other scenario there is no choice.

Times constantly change you won't always be in a situation where you have the finances to just quit just because you're frustrated with a job.

As a high paid SWE we often forget that A job is more then doing something you "like" to do, it is a means of survival. When times change, when hard times come or when some life changing event happens, being allowed to survive is a good thing.