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Let's say it is confirmed that Alex Smith's injury is a career ender, or at the very least will sideline him for 2019. What should we do about the $41m in dead cap money (remaining guaranteed minus insurance coverage)? Personally, I want us to absorb the entire hit in 2019. Colt McCoy won't last more than 6 games, and Josh Johnson isn't going to win more than 2. Is there really any difference between a 5 or 6 win team versus 2-14? Taking the hit all in one year will mean gutting the roster. The question must be asked for each player: Will this person be a significant contributer 2020 and