Well, if you decide not to give Cutler $18 mil a year and then hand the starting job to either Jason Campbell or Caleb Hanie, you've made a horrible mistake and it's not refusing to give Cutler $18 mil a year. Alex Smith has been the very definition of league average (or worse) and he was just dealt for a ridiculous haul. Joe Flacco has been very inconsistent throughout his career and Football Outsiders has never ranked him above 14th best in the NFL. So, basically the Ravens went expensive and have a league average QB. Even in the playoffs this year he was fairly hot and cold. My view is that you can't wrap that much of your payroll (Flacco) or future (Smith) into the very definitions of league average QBs. They're not going to make you better (ala Peyton, Brady, Rodgers, etc) and instead are going to hamper you from doing so. I was probably in error putting Romo in that group. I'm not sure he's worth $18 mil a year, but he might be good enough to make it reasonable to pay it. I agree with your overall point that you have to overpay for some of the better QBs, but I don't see how Joe Flacco and Alex Smith support your argument. Romo maybe, but not the other two. I think you are equating the ranking of football players and baseball players here too much. For one, I wouldn't say being ranked 12th or 14th is the definition of league average, because there are more than 32 QBs that play every year. And the thing you really want to avoid above all else is below average play. That will kill you. Also, it is by far the most important position. It's not one of 5 starting pitchers. You can't just let a guy go because you don't want to overpay him and spend the same money on two guys who will combine to start 40% of your games at the position. Go ahead and let your average QB walk everytime he's due a raise above his worth and you'll set your team back 2 years trying to replace him. The luxury of the non-guaranteed contract also helps in this matter because if you're Flacco type QB does start to slide, you aren't tied to him for the life of the deal. The bottom line is it is very difficult to find competent QBs. Without one, you're doomed. Once you find one, you will be happy to overpay to keep that position stabilized and give your team a chance to win Super Bowls, like Flacco's team has done.