The thing that doesn't make sense about the SpaceX winning bid is that, if SpaceX is able to get one of its Starships to lunar orbit, land it on the moon, and then return it to lunar orbit, why not just put the NASA astronauts on the Starship in the first place, and not bother with the SLS/Artemis at all?
I think that the NASA request for a second, independent contractor for a lunar lander is really a "plan B" for SpaceX not succeeding as soon as NASA wants to land on the moon, which seem like 2025, these days.
Frankly, 3 years to build a lander from scratch seems at least as risky as betting on Starship.
It seems ridiculous that, even with all the delays and schedule slip on the SLS, that NASA has not already designed and tested the lander part of the mission equipment with only 3 years to go.