An aspect of SpaceX winning the Artemis program that I believe has gone largely unnoticed is the con-ops. Per the press release SLS will carry astronauts from earth to lunar orbit. Once there they will: transfer from the Orion capsule to the SpaceX HLS, HLS to the moon, moon back to Orion, and then back to Earth.
The SpaceX HLS will not utilize SLS to get to orbit, rather it will utilize the SpaceX Super Heavy booster. So a trip for the HLS will be entirely free of NASA hardware which begs the question; why do we need the SLS for Artemis at all?
The HLS will be human rated and already carrying the necessary cargo for the lunar mission. All SLS is providing is a ride for astronauts from earth to lunar orbit. SpaceX is already developing Super Heavy and Starship (HLS is a simplified version of Starship).
NASA could put astronauts on the HLS to begin with and forego SLS entirely. Less complex con-ops, definitely cheaper, and fewer risks (single system, no lunar rendezvous, etc.).
I'm sure NASA realized this when evaluating the three Artemis proposals. Although not a requirement they could evaluate against I'm sure that they realized that given the sparse funding NASA is likely to get, if they had to they could utilize SpaceX for the entirety of the mission and save even more $.