Thinking more about next year's planning, '27 payroll as of right now is somewhere in the $140M neighborhood. So for the sake of nice round numbers, let's say the team is $100M under the luxury tax pending whatever changes with the CBA.
Also as of right now the bullpen will need to be rebuilt again and the situations at 2B, C, RF, LF, DH and two SP slots are varying levels of unsettled. Again for the sake of nice round numbers assume it costs $15M for a good quality first division starter at catcher and DH, and $20M for each of those other holes (I'm counting the bullpen collectively as one $20M hole). That means the Cubs would need to spend $150M AAV in free agency to get the team back to the level of top to bottom strength where it is right now. That's uhhh....probably not gonna happen.
So in order to feel like the team isn't going to take a big step back after this season you probably need three kids to stake claim to 2027 starting spots. If you want to not just tread water but have fun in free agency next year, i.e. chase $30M plus guys instead of $20M minus guys, you need a fourth or god willing a fifth kid to step up.
That's actually not as daunting as it sounds! Shaw's basically already there, and Mo's got a pretty high floor and a good bit of runway to open the season. There's another five guys on the Iowa/Chicago border in Alcantara, Long, Wiggins, Brown, and Wicks. But IMO it does mean that from here out, where the roster decisions are at the margins. the team should generally swallow a little risk in exchange for giving the kids more runway.