Let's take a look at the quarterback position today. Why today? Might as well do it before Kurt Warner makes his decision.
If Warner stays, the Cardinals are set at the position, especially at the top two spots. At 38, Warner played well this season. He was as accurate as ever and as immersed in the game as ever. With talented players around him, there's no reason to believe he won't play well at age 39.
Things change dramatically, however, if Warner retires. Matt Leinart becomes the starter, and after four years in the NFL, we still don't know if Leinart can take a team into the playoffs.
Cardinals coaches think he has all the tools. He doesn't have a great arm, but it's strong enough. He's smart enough and the one advantage he has over Warner is mobility. Leinart isn't exactly nimble, but he's mobile enough to run occasionally, something Warner doesn't like to do.
The biggest question about Leinart is his passion for the game. Coaches have been impressed with how hard he's worked the past two season. But working with Warner set a different standard. Warner often came to work with diagrammed plays. He arrived early and stayed late. When he wasn't at the team facility, he sent text messages to coaches with ideas.
As a backup, Leinart wasn't in the same position. It would have been presumptuous for him to suggest plays for Warner to run. He worked hard and did all that was required, but a starting job requires a bigger commitment.
If Leinart does become the starter, the offense will no doubt change. There will be a heavier emphasis on the run game, which has developed over the past year and a half. The play-action pass, not one of Warner's favorite things, could become more of a threat.
Most importantly, Leinart has to re-gain the trust of his receivers. Everyone can say all the right things about believing in him, but Leinart's inaccuracy this season eroded confidence among the receiving corps.
That group loves Warner for many reasons, mainly because the Cardinals are going to throw a lot with him in the lineup. But Warner also did his best to protect his receivers, to keep them from taking big hits. When Leinart is throwing high passes, as has been his tendency, receivers tend to get a little skittish.
With more practice time and confidence, Leinart should be able to correct that problem.
The Cardinals might have to search for a new third quarterback. That job has been held by Brian St. Pierre, who made $1 million last year. St. Pierre struggled in the preseason, but he was going through severe back pain all season. He has herniated discs and isn't sure what course of action he should take.
Surgery doesn't always work, but he's not getting much relief from other treatment. Even if Warner stays, it wouldn't be surprising to see the Cardinals draft a quarterback in the mid to late rounds. If Warner leaves, it would become a higher priority.