Rough math here: FG has us at $55m for next year which is basically Swanson and Maton plus benefits and all the other things. Using FG estimates, Bichette at $27m and Gallen at $22m brings you to $104m. Let's give Steele $8m, Assad $2.5m, Cabrera $5m, $119.5m. Amaya, Busch, PCA, and Palencia all hit arbitration....$15m total, plus minimum salaries for Horton and Shaw gets you to $135.5m. From there, with roughly $100m to spend, you're short a LF, a RF, a DH, one starter in the rotation (could be Wiggins but we need depth anyways), a bullpen beyond Palencia/Maton/Assad, and a bench. That all feels....fairly doable?
And after that, there's not really a cliff in the foreseeable future. In the above scenario I already wrote off Kelly, Boyd, and Thielbar's mutual 2027 options, and so the only free agent after 2027 is Steele. Assad and Cabrera in 2028, Amaya/Busch in 2029, PCA/Palencia/Horton in 2030, Shaw in 2031.
I'm still surprised the Cubs made one move, so making three more seems like really pushing it. But yeah, Taillon is a good dude and carried us for a little bit down the stretch there, but that spoke more to the lack of contribution literally anywhere else in the rotation more than him being some stud pitcher. Take your pick of the three bats, sell Taillon, go from there.