I don’t see a reason to make things complicated; every bit of overhead reduces the net impact your dollars are going to have.
> If a nonprofit doesn't understand better than its donors where money needs to be spent, then it's incompetent and you shouldn't be donating to it at all.
Though see TFA for some (corner-) cases where this might not apply.
Open to your thoughts on why TFA is wrong on this point - but I think you need to flesh your case out a bit more to at least address the arguments presented therein.
One of the biggest challenges nonprofits face is donors who think they get to micromanage them because they give money. Any decent nonprofit has a development head who will politely but firmly tell donors to butt out, and hand them their check back if they don’t.