Of all the overpayment mistakes you can make, overpaying a goalie should make the most sense, and have the least impact. It's the goalie. A bad goalie will lose you everything. So, gamble on a good goalie then, even if it costs extra. The other players on the team will accept that the goalie is a special case, and be less prone to use his contract as a comparision. If you overpay a skater, the other skaters will much more easily be able to compare themselves to him, and say "why does this guy make 3 mill more than me?" next time their contract is up.
I also think, even if you use 3, 4 or 5 mill to much on the goalie, that's just 3, 4 or 5 mill. If you overpay your top 6 forwards with 5 mill each, that's 30 mill.. your cap is dead. If you follow this line of thought.