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Saints would be the most f**ked. Packers could survive but won't go undefeated obviously. We'd be in a little trouble as part of our strength is NOT turning the ball over. Smith may not be an elite gun slinger but he's smart and efficient with the ball. That comes with time and having vet savvy. Kaep is too young and raw to be able to make the calls at the line like Smith does or protect the ball as well.
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Green Bay has, by far, the most accomplished backup. Flynn has played well against some good competition. In a number of situations his physical play looked very much like Rodgers. Where he lacked was in recognition of defenses, something that only time and experience will solve. Hence GB would be hurt the least.
NO, on the other hand has only Chase Daniel, a 3rd year pro. He has attempted only 4 passes and completed 4 of them IN HIS NFL career. Still, the fact he has been in the system for 3 years puts him a leg up on Kaepernick who is still short of the half way point in a normal rookie season. Also, NO has more overall talent in their receiving corp than SF which would help Daniel.
The fact the 49ers have the best ground game and defense puts them right in the middle. So while the drop off from Smith to Kaepernick is large, the other 2/3 of the equation should give the 49ers a slight edge over NO.