The problem with trying to work out what actually happened in situations like this is that the stuff that comes from the Sussex side in various formats is often vague, hinting or confusing because it's not really clear what they are trying to say. And the story often changes as well. And that boosts all this speculation. It's never clear if the conversations were at a specific time or if they were ever resolved.
Clearly, Charles was paying for both the Cambridge and Sussex households according to his accounts by the time they were married.
Maybe Harry was questioning the amount they were getting or going to get compared to the Cambridges. Maybe he was asking for a specific salary for Meghan and Charles was trying to explain that there would be a lump sum and it was up to Harry to work within his budget for his own family.
Who knows - all we know is that the end result was that Harry and Meghan were provided for when they were working royals.