I agree with Bill Simmons and the guys at Football Outsiders that the Cards need to look hard at trying to consumate a trade with San Diego for Philip Rivers. First off though, let's hope SD tanks the rest of the year and they go into full re-build mode.
I'd give a 1st and 3rd, maybe even more, for him tomorrrow. The Cards, I think, have about a 3-4 year window with Fitz to re-gain a dynamic offense and make a SB run. Rivers is a QB who could make it happen. Looking at the current QB's in the NFL, he's about the only guy that may become available that fits the bill of top level QB. All the other ones are older and not going anywhere, Brady, Manning, Ben,etc., or are younger, entering their prime and not going anywhere, Rodgers, Stafford, Ryan, etc.
Rivers's contract call for 17 mill, 15 mill, and almost 16 mill the next 3 years. That's not prohibitive for a top level QB. The Cards could make that work and fit him within the cap through re-structures and cutting dead weight.
I know drafting a QBOF is the popular thinking, and I'm as big a Tyler Wilson fan as anyone, but by taking a young QB we're looking 3 years, at best, before the young guy is ready to win at a high level. The next few years is when the Cards need to strike. The defensive playmakers are all signed, Levi is back and while he's not great, it will greatly improve the OL. Massie will have also have a year under his belt and the other young guys, Kelemente and Potter may be ready contribute. Then you have the return of a hopefully healthy backfield combo of Wells and Williams(even though I wouldn't mind seeing the Cards add Felix Jones through free agency to replace one of them). As for the receiving corp, we know what we have in Fitz, Housler should only get better, Roberts is solid, and Floyd should be ready to take on a more significant role.
To me this trade would be a no-brainer. You put a QB of his caliber on this team and they are easily a 10-13 win team the next 3-4 years.