Which Would you Like to ChoosePrefer?

The YouTuber was talking about how much practical you areity.

This is a bit more natural though it differs from your original Japanese a little.

He asked us "If you can getwere getting money, which would you choose: getting 5,000 yen right now, or 10,000 yen after one year?"

I would choose (the) 5,000 yen because there's no guarantee of being alive and healthy next year.

It's not like I'm unhealthy or suffering from a sick or unhealthy(an) illness, but still, I could come across/be involved/get in/ an accident like a car crash or natural disaster.

Which Would yYou Like to Choose?

If capitalizing the title, I think the rule is you capitalize everything except prepositions (?) like “to”, “or”, or “and.”

He was talking about how practical you areity.

Practicality is an attribute that describes how practical one is.

The YouTuber was talasking about how muchthe audience how practical youthey are.

Another way you can say this. I’d omit “much” for sure though.

He asked us ", “If you can get money, which would you choose: getting 5,000 yen right now, or 10,000 yen after one year?"

Same as above

He asked us, "Which would you choose: getting 5,000 yen right now, or 10,000 yen after one year?"

Need punctuation here

I would choose 5,000 yen because there's no guarantee of being alive and healthy next year.

Usually you say “guarantee of” or “guarantee that.” You could say “there’s no guarantee that I’ll be alive and healthy next year. Needs an “and” between alive and healthy

It's not like I'm suffering from a sick or unhealthy, but still I could come acrossstill be in an accident like a car crash or natural disaster.

This time, you don’t need the extra “I’m” because “I’m sick” and “I’m unhealthy” both make sense by themselves.

It's not like I'm suffering from a disease or I’m unhealthy, but still I could come acrossstill be in an accident like a car crash or natural disaster.

“It’s not like I’m suffering from unhealthy” wouldn’t make sense. For “unhealthy” by itself, I’d say “It’s not like I’m unhealthy.” I modified the second half so that it works

That's why I would choose to get 5,000 yen straight away, and eat something delicious.

The YouTuber was talking about how much practical you are.

As you probably know, non-quantifiable things take a "much" like "how much water" or "how much time," but "practical" is an adjective so it's neither quantitative, nor non-quantitative. You can't use "much" with it.

He asked us "If you can get money, which would you choose gettreceiving 5,000 yen right now, or 10,000 yen after (or "in") one year?"

Get -> 手に入れる, acquire, have
receive -> be given

I would choose 5,000 yen because there's no guarantee of being alive and healthy nextin a year.

It's not like I'm suffering from a sick or unhealthy, but still I could come acrossbe involved in an accident like a car crash or natural disaster.

come across -> Can mean either to be involved in, or just to see/observe one happening.
be involved in -> More likely to be read as being directly impacted by it. For example, to cause a car accident or be hit by another car.

Which Would you Like to Choose?

The YouTuber was talking about how much practical you are.

I'm not entirely sure what you are trying to express differently, but this has the same meaning as the previous sentence so you can just omit it.

He asked us, "Which would you choose g? Getting 5,000 yen right now, or 10,000 yen after one year?"

He asked us, "If you can get money, which would you choose g? Getting 5,000 yen right now, or 10,000 yen after one year?"

This has the same meaning as the previous sentence so you can omit it.

I would choose 5,000 yen because there's no guarantee in being alive and healthy the next year.

It's not like I'm unhealthy or suffering from a disease or unhealthy, but still, but I could still come across an accident like a car crash or natural disaster.

Native speakers tend to have the word order like this... not sure why though, to be honest.

It's not like I'm suffering from a sick or unhealthy, but still I could still come across an accident like a car crash or natural disaster.

Same meaning as previous sentence, can omit.