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Action offered and accepted

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then why have a table-stakes rule in the first place?

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So people who don't want the extra money to play don't have to accept it?

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If someone at the table complains about buy-in caps or table stakes, and the excess money would exceed one of these, I would simply request the winner pocket the excess booty. Basically treat that extra $20 as a side bet done off the table.

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I'm pretty sure this would violate Colorado gaming regs (side bets not allowed).

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If you are playing in Colorado you may not make a side bet. This hand could have taken place anywhere in the world.