I'm aligned with you except for 2026: I think/hope they let him walk, get a comp, and draft a low-cost replacement. I think Cook is very good but far from irreplaceable, and his $12 to $15 million can be better spent elsewhere when you're paying a franchise quarterback.
In a world with no cap, I'd say pay him what he wants, but paying one position more means paying another less, and I don't think RBS are that hard to replace.