You are too hung up on Carr. The hamstrung part isn't having the player or not. The hamstrung part is being able to operate your team without cap space. 10 mil in 2026 is not worth hamstringing your team in 2025. You'll have to throw Rattler into the fire without a decent backup QB and with out a team to properly support him because you couldn't afford it.
10mil for 1 year of Carr plus a ton of cap flexibility to build the team isn't exactly what I would call "compromising our future".
The alternative just to save 10 mil next year is unrealistic sacrifice for little return.