I'd go with this year. Even with the two CBs playing, beating the Bears is a tall order, and SF didn't need to air it up top to have us outmatched. Lose those two and your playoff chances are a lot smaller. Of course, I hope we win out, but a bookmaker would probably give us a 9-7 finish, at most, from here.
We can't guarantee who'll be on the team for next season, much less what chance it'll have, Why give it a handicap on top?