Kubiak probably didn't expect his backups to be this bad, and having to make such drastic mid-game adjustments are always extremely difficult. Now he has a week to plan around having extremely bad backups and can maybe put something together to help make it easier for them.
However Kubiak also played the biggest role in today's loss. The misdirection was gone. The Saints came out, lined up, and ran what everyone thought they'd run. Doing that with an OL that can no longer block anything is just awful playcalling.
This week looks like just one massive growing pain for the offense.
Defense... well... Allen's 3rd and 16 playcall was a disaster but outside of that what else could they have done? Pitching a shutout for 3 quarters and allowing 15 total points should equate to a win.