First of all there is NO guarantee that if you lose the remaining games that you would get the first or even the second pick in the draft. So drafting Luck or Cameron would probably be out of the picture.
Keep in mind that there are teams (believe it or not) worse than the 49er's.
... and they will have first picks over the 49er's.
Just to name a few: Panthers: 1-12, Bengals: 2-11, Bills: 3-10, Lions: 3-10, Broncos 3-10. Ahem ... the Cards?
All except for the Lions will probably be looking for a new QB.
In regards to Mike Singletary, the expectations were very high this season and EVEN if he were to make it to the playoffs, I don't think he will keep his job.
They should have run away with the division ... !! Hands down! It won't get any easier next season!
[ Edited by Kauaiguy on Dec 13, 2010 at 11:59 AM ]