No you dont discount the"Swapped pick" for the price of the player, thats only for the price of the trade up. You still have to use that pick to acquire the player.
We'll see on draft night, but I'm convinced Fields goes no lower than 3rd overall, and that the pick in question is going to be a choice between Mac Jones or Trey Lance . I think the Bears can do just as good or better than those 2 in next years draft, for less than that massive windfall of picks in the article (I do think the article is accurate that it would take a package similar to that to move up to 4). So lets say I believe Bears can get equally promising QB prospect for only a 1st, 2nd, and 3rd (assuming they still have to trade up in the draft, just not up to 4th) in next years draft, meaning the Bears "save" 2 1sts and a late round pick by waiting. That's huge. I think that cost is too prohibitive for any QB, but I would feel a lot more confident that the Bears couldnt get an equivalent prospect next year if Wilson or Fields was available at 4 - I just dont believe thats realisticaly going to happen.
Why would having 1 year FA deals this year make a team more willing to throw away draft picks, especially higher valued ones like 2nd and 3rd round picks? The scouting argument makes sense although I put little weight behind it, but i dont see the connection between 1 year FAs leading to lower your valuation on draft picks.