In this hypothetical assume all 3 are mid level. Not FAANG, but all are great software developers with an average of 8 years experience.
Is 3 months enough to build something worth while.
Your definition of success here can vary.
For example a bootstrapped SASS making a thousand a month in passive revenue.
Getting a YC interview.
Or even raising a small amount of funding.
When you have too much time, you start planning out a vision instead of just delivering something quick and simple.