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This is simply untrue. He cannot give more than the maximum to another campaign, but he can give the balance to the DNC or a Super PAC to elect a new nominee.
I think the funds that the primary campaign got do actually go to Harris first. The DNC, PACs, and SPACs should be able to transfer like you said though.
Disclaimer: I'm not sure any of this shit is actually figured out. I doubt they thought about this situation when they wrote the FEC bill.
My reading on the subject, which is far from authoritative obviously, was that Biden can direct the funds anywhere he wants, he has the final say on where they go. Either to Harris's campaign, a Super PAC, or the DNC.
It's the right sentiment phrased incorrectly. Harris can take over the campaign funds entirely, because it's the same campaign. Nobody else can do that, so anyone else would have to start campaign fundraising from scratch as the DNC or a PAC they can't coordinate with has all the money.
Campaigns get a discount on ad spend and there's a lot of perks with being able to send exactly the message you want to spend. It's a notable advantage.
I understand what you're saying, but at the end of the day the campaign is going to put out press releases for what they're focusing on at that time. While they can't coordinate, they can just read the press releases that are released to the public and do ad spends based on them.