Regardless of whether you personally agree with OP or not, this thread on twitter helped me understand the kind of questions I want to/should ask regarding PhD funding, especially in relation to a full funding offer. I plan to ask current grad students some of the questions mentioned, as well as the director of graduate studies at the school I’m planning to attend. I hope this helps!
https://twitter.com/megankatenelson/status/1231935955701051393?s=21