I really think Smith retires at the end of the year. Walking away with what he has accomplished would be the ultimate. I would hate to see him attempt to continue, get released and never play another down. If I were him I would hang it up, sign a one day contract with the 49ers and retire. It's obvious he is a warrior, but his football days look numbered.
Plus if we are still on the hook for guaranteed money, I would love to have him working with football operations in some capacity.