I agree...the loss of Smith had far greater outcome on your loss to Seattle than Wilson out playing CK.
The Niners can live with mediocre QB play if the defense is at it's best. It will be harder to deal with lesser defense unless Kaepernick plays like Smith did against the Saints last year.
I find it interesting in your choice of words. Before SF got spanked in Seattle suggesting Colin was even possibly mediocre would have been blasphamy. He didn't play all that badly...we just took away his advertised speed away in the option and forced SF to play a very predictable game because we got ahead so quickly and thoroughly. We did that by forcing a series of three and outs that were turned into points when we got the ball.
Perhaps you can return the favor if we meet again in SF. It would be a hell of a rematch.
I'm not saying Kaep is mediocre, just that he can be when the defense is playing as well as it can. Seattle's defense can make you look pretty bad, though.