The big difference between three and five years is that, if you do decide to switch nationality, you're not going to play in the next world cup, either for your current country or the new one.
Given that international rugby careers are about 12 years, with a few exceptions like Sexton or Healy, that'll mean you only appear at one tournament, and that's if you get selected
For example, say the IRFU decide to offer Georgian winger Davit Niniashvili* a contract to play for Connacht. He's 22 now, and won't be eligible to play for Ireland until January 2030, when he'll be 27, and won't be able to play in the World Cup until the 2031 tournament, when he'll be 29(his birthday is in July, so he'll be 29 for the tournament in September), and he's unlikely to play at the 2025 tournament at 33. Is it really worth it, for both the player and the union?
*I looked up the Georgian squad on wikipedia, and picked someone with the right age profile - I can barely name the Irish starting XV, nevermind other countries
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