Would eat the onion for a 100, rest for 1000

False. Any dollar amount over like $20 and the onion is a good choice unless you must eat the skin. In which case IDK a hundo is probably sufficient.

When it comes to really hot peppers, its more than the pain going in. They strike again on the other end. I didn't think about that the first time I ate a ghost pepper and then spent the next day roaming around Washington DC.

or like twenty cumulative minutes of fiery pain (carolina reaper).

For a single reaper, sure. For the entire container of them that's probably at least the rest of your day ruined.

I paid to eat bugs from a food cart in Thailand, though they were cooked and seasoned.