3M a year is too expensive for Warner now, let alone 4 years from now. Come on.
What is the probability the Matt is injured and misses one game this season?
Two games?
Three games?
If we are in playoff contention and that happens how much more likely are we to win those games with Kurt as the backup QB?
Is it worth 3m in those circumstances if it means the difference between going to the playoffs or sitting enviously watching other teams go instead of the Cards?
The receipts for one post season game alone would be in excess of the whole cost of his contract.
Risk management is what it is all about. The QB is the one position where you put the best possible mitigation plan into place, and I think in Kurt we have done that. 3 Mil, by season end that might look like chicken feed, and it is a small price to pay for such essential insurance.