Lot of flaws with your logic.
1. McDavid available for 3 seasons only? What team are you a fan of? Me - it's Habs. If we somehow landed McDavid today, I guarantee you he'd be here longer than 3 seasons, because we'd do whatever it takes to sign him long-term. I'd expect all teams feel that way too.
2. Why are you playing garbage minimum salary players with McDavid? Habs fan here - I'd do Caufield + Slaf maybe...granted both on ELC's today, but that changes soon. In Edmonton he plays with Drai, more than 1M$. Load up your first line, and be a bit smarter building out the rest of your forwards. If I had access to two competent 6M wingers you mention for Bedard, I'd easily play them with McDavid.
The only reasons to take Bedard is if you're one of those super confident person that he'll be a perennial ~100-120 point guy (maybe not as good as McDavid, but close), and since he's younger you have him longer. Or maybe you think McDavid is due for a steep decline soon, for some reason. But AAV$, and the thought of losing McDavid to UFA, shouldn't really be your driving factor here.
I voted McDavid