I don't think Rudy or Floyd are going to leave. There is almost certain to be a lockout in March, so underclassmen would be crazy to declare after they've underperformed compared to expectations as juniors.
The QB battle is likely to be fierce. Tommy needs to put on some serious weight and his arm strength needs to improve a lot for him to have a chance. I expect spring ball to be a serious competition and we may not have a clear choice then, and I suspect fall will be even harder when Dayne comes back and Golson has a bit more time with the playbook. In the end, I think it will be either Golson or Hendrix.
As for how the team does, I think we will be significantly better on both sides of the ball. We were only a few plays from being 9-3 right now (Michigan St., Tulsa). Quite frankly, if Dayne hadn't gotten injured I suspect we would have beaten Michigan and this whole season would be entirely different (I see us being 10-1 if that had happened), but if ifs and ands were pots and pans then bull**** would be butter.
Assuming Luck goes pro, I think we have a legitimate shot to run the table next year, with the hardest game being against USC. If Luck doesn't go pro, we have a legitimate shot to be a one loss team.
Given our experience at QB we may not reach our full potential, but I don't look at our schedule and get scared or anything.