I'd say just get the best you can. I guess my approach would be to still chase a few of the top guys in HS but keep options open on the transfer market for role guys and maybe a potential breakout guy.
Holmgren and Banchero I'd take over whoever was the #1 and #2 transfer available this past season (I read it was Carr @ Texas and Kessler?). Tshiebwe has obviously far exceeded expectations but it's also the system he is in right now. Also and as much as this shouldn't matter, the top HS guys are going to be featured more and will put more fans in the seats and keep a program in the national picture. Even though that shouldn't matter, we want to maintain that exposure.
I think it also depends on year-to-year with HS rankings. Some years the #1-#5 players are much more dominant than the next class. Sometimes there is a huge drop off in talent after the 10th guy and fans just think any 5* guy should be able to come in and dominate. Also, I'd like to believe there is still such-a-thing as college scouts/evaluators doing a better job evaluating than our favorite recruiting analysts.
Although transfers can be "older" (and I agree sometimes I cringe hearing K say that), they still have to learn a new system just like the HS guys. And let's face it, if they were truly elite individual players, they'd be in the NBA. Last thing - if we aren't getting the Banchero's, Zion's, etc...I don't personally want to play against the team that does. I imagine UK was feeling this way after our last game with all their transfers.