Just thinking about my overall priorities for the offseason:
Sign Soto. He becomes the top/middle of the lineup anchor for years. He gets his own category here. I don't necessarily think the Cubs have to go get a "big bat", but if you can get Soto out of NY, you do it. I'd break the $500m level to get him. Maybe something like a 13/$520M offer? I'd go even higher if I could use the Ohtani trick and defer some of it. For me, Soto is the most "duh" combination of age, past performance, projected performance, etc. of any FA in many years (non-Ohtani category).
Top of rotation SP. Our best pitchers have health / durability concerns. We have no middle of the rotation going into next year. Literally every young pitcher we hoped would establish themselves have had injury concerns. I'd probably look to do a trade here to get this pitcher.
Bullpen anchor: It doesn't have to be a "closer", but someone that is going to be a really good bet to be a damn good pitcher.
Talk Bellinger into staying if you don't land Soto. I'm not enamored enough with the other bat options at the top of the market that I'd value their performances enough more than Bellinger to commit the years to them. I don't think Vlad Jr will actually be on the market and I'm not sure I'd want to extend him at the likely cost.
If Bellinger opts out, then look into trading for Rooker, signing Santander, etc.
Upgrade at catcher. I'd do Carson Kelly, but there are options out there.
Add a second SP. Mid-rotation is good enough, but another TOR would be fun! This would probably be a FA if the first player was a trade.
Re-sign Lopez. He's been nails for the Cubs. He shouldn't cost a fortune to retain.
I think that's probably it? For the young guys, I'd be trading away a couple to get the starter. I'd bring up Shaw to start the year and Zobrist him into the lineup to start the year and figure it out as we go based on performances and health. Even if we miss on Soto and Bellinger comes back, I'd expect a better offense. A full season of Paredes, PCA being comfortable the whole year and the upgrade at catcher should take care of that.
Starting pitching should be very solid with NewGuy#1, Steele, Shota, NewGuy#2, Assad/Brown/Wicks/Wesneski/Horton. Relief should also be solid to really good with the additions, Hodge, Lopez, Miller, non-Staters, 2024 injured guys coming back, etc. So even if we have injuries, there's a lot of depth there to make it work.
I'd think that's a 90+ win team. Add Soto in place of Bellinger and it's a really damn good team.