The bot says 'pay later/pay never'.
To try to make sense of this I moved the checkers around. After X plays 8/2 5/2 she has 40% winning chances. If we then give O an average roll to move his straggler past X's outfield point then X's equity goes up to 45%. I think that the bot sees the risk of getting hit as more expensive than burning race equity in the home board.
Rollout
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1. Rollout¹ 8/2 5/2 eq:-0.318
Player: 39.72% (G:0.02% B:0.00%)
Opponent: 60.28% (G:2.40% B:0.06%)
Confidence: ±0.009 (-0.327..-0.310) - [100.0%]
Duration: 33.8 seconds
2. Rollout¹ 15/12 15/9 eq:-0.386 (-0.068)
Player: 35.35% (G:0.00% B:0.00%)
Opponent: 64.65% (G:2.92% B:0.02%)
Confidence: ±0.009 (-0.395..-0.377) - [0.0%]
Duration: 9.2 seconds
3. Rollout¹ 15/6 eq:-0.486 (-0.167)
Player: 33.35% (G:0.03% B:0.00%)
Opponent: 66.65% (G:2.72% B:0.05%)
Confidence: ±0.009 (-0.495..-0.477) - [0.0%]
¹ 1296 Games rolled with Variance Reduction.
Dice Seed: 271828
Moves: 3-ply, cube decisions: XG Roller
eXtreme Gammon Version: 2.10
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BD