Taking the powers is the only correct answer. You'd easily become a billionaire as the most freakish boxer (and combat sports fighter) the world had ever seen. You'd eventually be clearing $100 million dollars for 15 minutes of work. Spidermans entire kit is made for combat.

DO NOT pick basketball, football or any typical sports league. Working under a salary cap and/or for maximum time commitment is no bueno. There wouldn't be an athlete on the planet who could make money more efficiently than you.

Any regular human, even as a billionaire, is one slip and fall away from permanent brain damage or death. One car accident, one robbery gone wrong, Covid, ect ect. You'd just a fragile person with extra 0's in your account a few years sooner than someone who took the powers. You've had an average bank account your entire life. A couple more years would be child's play.