I think that in the West you got the winner right, but Seattle will win the West with a 12-4 record(8-0 at home and 4-4 on the road). The Rams will get 2nd place with an 8-8 record. 3rd goes to the Cards 7-9 just like you predicted. But you way over estimated the Niners. The way you looked at the '03 Cards and thought "this team could go 0-16" that is how I feel about the 49ers who will finish with a 2-14 record.
The 49ers are bad, but keep in mind that even Arizona was able to win four games (Cincinnati, Minnesota, Green Bay and San Francisco). Some teams will look past the Niners, and that's how they'll claim their victories.
This time last year, who was Anquan Boldin? I'm sure most of you knew him from FSU, but I don't think anyone expected him to be this good. You never know, someone on San Francisco may shock the football world.
You may be right. I just don't see any team going 0-16 in today's NFL. However, there is no doubt that they are one of the worst teams in pro football.