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You're not missing much, just one thing: 0.051 is the level 1 pay. The tree levels up as you harvest it (level 2 at harvest 5, level 10 at harvest 138), and every level pays more: 0.053, 0.054… up to 0.064 per harvest at level 10, with the bonus growing too (0.077 at level 1, 0.120 at level 10). So 180 × 0.051 assumes it stays level 1 forever. Over its whole life the normal harvests alone come to about 10.7 HIVE, and the bonuses add a bit more on top.
Yes, a user did mention it to me – thanks for reminding me again that the levels go up and, in turn, so do the rewards.
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