Nobody I know is forgetting other sunken cost salaries coming off the books. (Pablo, HRam & Castillo costs are burned into our minds.)
Your point on Betts is missing one key point. His last arb might be $20M, so keeping him or replacing him in kind, will add $10M to the budget.
While last year arbs have been rising in recent years, they are still usually way less than FA market value.
Chris Sale's last option year is just $13.5M. You think we can keep or replace him at that cost? Add almost $20M right there. (That's Pablo coming off the books just to keep our ace.
Replacing Porcello at $20M could be easy, and maybe we even save a couple million.
Replacing Kimbrel, Pom, Bogey, JBJ and others will cost much more than their last year's salary number.
IMO, We can and will keep some of our stars or replace them with equal value. We will likely still have Devers and Beni and ERod. We'll have a few other good role players, but it seems probable we will lose maybe 2 of our key players and not have the money to replace them without radically changing our spending habits.
Yes, this is opinion, conjecture and speculation, but I'm answering a point you made that was equally speculative.
BTW, I have never projected last place finishes either, although I would not be surprised by one between 2020 and 2023.