Good thing your not a GM, one of the many things that led to Andy Robustelli's demise as the Giants GM was that he once said something to the effect that the best place for teams to finish was to just miss or get knocked out of the playoffs early. That way the fans stayed interested and you didn't have to over pay players.
How many elite QBs are there in the NFL at any given time? Four maybe five? Right now, Brady, P. Manning, Brees and Rogers. Money issues aside it is very hard to find an elite QB.