The main reason I did it that way was to have the RMII TX start sequence generated by the PIO program, and to have a loop to output the data I'd need double the frequency of the RMII, so I had to clock it at 100MHz.
So either injecting the 50MHz clock from the LAN8720 into the XIN of the RP2040 and removing the crystal there, or moving around 2 resistors on the PHY module.