A couple points here:
2) On your first point, I tend to agree on the notion that Loeb is the odds on starter. What I would guess is that Loeb starts and whomever is deemed the "QB of the Future" will get some snaps and some series as the year goes along. But I would suggest that if Loeb is simply starting b/c he's experienced and a kid like Allen (or fill in the blank with another QB's name) is truly more gifted and physically ready to play, there should be some effort made to get that kid on the field. They simply don't have time to waste. I'm not saying rush a kid onto the field, but if you truly have a kid with excellent physical gifts and smarts, there should be some effort made to get him on the field.