One unnamed NFL personnel executive agrees with La Canfora's view.

"I'm really trying to stay unbiased and not just be influenced by what I saw when I scouted him in college," the executive told La Canfora. "But Kyle has to see what I see. You can win with him, with everything else being great around him, but you aren't going to win because of him. The roster is getting older and beat up and the roster is going to slip once you pay him.

"You saw him slump last year when everything wasn't perfect. You know how I feel about this one, and it's on the film. He's an elite backup to me, more than anything else. He's a guy, he's not theguy. … And I'm hearing the same thing you are about Cousins. I can absolutely see that. You can't give this kid $50 or $60 million."

Armed with the most cap space in the NFL, the 49ers are financially positioned to pay Purdy top dollar. However, doing so may mean moving on from other high-priced veterans. Thus far, the 49ers have built a strong roster and retained talent because of Purdy's minimal cap impact.

An unnamed general manager told La Canfora that the 49ers might consider not paying Purdy next offseason, instead using the next two seasons to evaluate him further. Of course, if Purdy excels, his value will only increase.

"I'd be really careful about paying that kid," the general manager said of Purdy. "Make him play out his fourth year and then franchise him. … Or, yeah, just go get Cousins. We're seeing teams overpaying quarterbacks all over the place. I'd be scared to death to give him all that money."