If Poles and Warren are dead set to roll with Fields, the Bears could still technically hold his rights for 3 more years before he breaks the bank long term by exercising the 5th year option at $20+M in 2025 and a franchise tag of just over $40M in 2026 if they cannot agree to a long term deal. Fields' agent David Mulugheta is the same dude who, despite all the off field controversy, was able to con the Browns into giving Watson $230M fully guaranteed. So say Fields play improves and he goes on a playoff run or 2 the next couple years. Then yeah $50M per/$200M guar could easily be a baseline by 2026. Hell a garbage QB like Dan Jones got himself $40M per/$92M guar and the Giants will probably still be in the QB market come draft time.
That is why as much as I would love to see Fields and MHJ/Bowers excel for the Bears and make a run, I can totally understand the long term thinking of just resetting with Caleb and trading Fields assuming they have the number 1 pick. Unlike the Panthers, the Bears have an ascending OL, a number 1 WR and decent TE, and a young improving defense to support him. Of course I am assuming common sense prevails and the current coaching staff is launched to the next galaxy. But if Williams works out, the financial flexibility for Bears cannot be understated.