you have a dilemma besides what has been suggested:
1. 12 team keeper league and everyone's going to want a backup which doesn't leave that much in the pool, assuming some will keep 2 qb's.
2. i really like cam being a panthers fan but what will 2013 bring? most talented team individually in the nfl that sux. i'd feel more comfortable w/a solid backup to cam and Kaepernick fits that bill. plus panthers have new GM this year so let's see who stays,plays,etc.
3. Cruz is a very solid good player; HOWEVER, he's got one of the most inconsistent qb's in the league throwing to him. watch the pro bowl???? INT right off the bat by Eli. also, there are plenty of wr's out there that put up cruz type #'s. wr's usually are a dime a dozen.
i think i'd see who the other managers want to keep. does the guy who wants Kaepernick have another qb he's keeping or not? gl. i know i didn't tell what to do, just to give you some things to mull over until your deadline. i think there are a lot of variables out there. another point too--wait until after the SB. if the 9'ers win, then Kaepernick stock goes up and if nothing else maybe good for trade bait??? i'd hold a bit longer. gl!