A large part of that more comprehensive training as a doctoral level provider is the research component. What really sets a psychologist apart from a mid-level therapist is the understanding of statistics and research, and its application to treatment (this is why many more mid-levels and diploma mill PsyDs succumb to flashy but not-evidence-based modalities like IFS and neurofeedback and EMDR). The best way to be able to competently digest research on new treatments and the like is to be able to understand the mechanics of research by doing it yourself. Even PsyD programs (should) require an independent dissertation. If they don’t, you’re honestly very likely not getting anymore comprehensive training than you would from a license-eligible masters program. And the cost of HPU (170k?!!!!!) is likely going to make the salary difference a moot point based on the excessive amount of loans you’d need to take (unless you’re independently wealthy, which begs the question if that is the best use of those resources anyway). The expensive programs quite honestly make no sense when the majority of clinical psych doctorates pay you to attend. It’s very much one of those situations where more expensive does not equal better quality. In fact, in some cases, it’s actually the opposite.
In regards to accreditation, if a program is accredited on contingency when you graduate, you have graduated from an accredited program. However, if a program is granted contingency status, they must meet full criteria prior to a certain deadline or they lose accreditation entirely and need to start the process over, so there is still a risk in attending a program in contingent status. I’m a bit more risk adverse, so given the extremely high cost of the program (and high cost of living in its location), I’d be really hesitant to take that big of a gamble on a program that is still figuring itself out and experiencing growing pains. There’s no track record of internship match rates and EPPP pass rates, so you may spend $170k+ for a program and not be able to graduate because your program did a poor job setting you up for match to an accredited internship, or you can’t get licensed because you can’t pass the licensing exam.