For the 49ers, securing the No. 1 seed means they could play up to three postseason games at Levi's Stadium, including Super Bowl LX, significantly boosting their odds of reaching the NFL title game.
A loss, however, changes everything.
Because the loser will fall out of the NFC West race, the No. 2, No. 3, and No. 4 seeds are no longer in play—those spots will go to division winners. In that scenario, the 49ers' ceiling becomes the No. 5 seed, with a drop to No. 6 still possible.
The No. 5 seed would send the 49ers on the road to face the NFC South champion—either the Carolina Panthers or Tampa Bay Buccaneers. Those two teams meet Saturday afternoon to decide the division.
San Francisco beat Carolina 20–9 in Week 12 but fell to Tampa Bay 30–19 in Week 6.
The 49ers could slide to the No. 6 seed if Los Angeles snaps its losing streak and defeats the Arizona Cardinals on Sunday while San Francisco loses to Seattle. That outcome would set up a Wild Card matchup in Chicago or Philadelphia against the Bears or the Eagles, whichever lands the No. 3 seed.
Although the 49ers and Rams split their season series, Los Angeles owns the tiebreaker with a better record in common games—losses to Houston, Jacksonville, and Tampa Bay weigh heavily against San Francisco there.
A Rams loss on Sunday, however, guarantees the 49ers can't fall lower than No. 5.
Regardless of the scenario, the 49ers believe they're built for the moment. A win Saturday gives them the cleanest playoff path. A loss complicates things, but doesn't shake their confidence heading into January.
"You know, people always talk about, hey, this team is battle-tested," general manager John Lynch said on Wednesday. "I think in our division alone this year, a lot of really good football is being played in our division this year. You see the records of three of the teams, and it's been a tough, tough NFC West. I think we're certainly battle-tested.
"We played in every situation. We've gone east, we've stayed at home, we've turned over on short weeks. It's not like we haven't done this before. We've won on Thursday nights, and so we've seen just about every scenario."
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