Both SF and Cleveland drafted QB's yesterday. With Smith being the overall #1 pick, it is clear that SF intends him to be an impact/franchise player. Whether he can accomplish that or not is irrelevant to the future of Rattay. Tim will either become the 2nd stringer at SF, or seek employment elsewhere.
McCown's situation is just as clouded. Dilfer was brought in by the Brownies to be the short-term solution to the QB problem, while they develop a permanent replacement. It is obvious that the Brownies do not see Luke in that role, or they wouldn't have used a high draft choice bringing in another QB. That is NOT to say that McCown can't earn the starting spot someday, only that Cleveland is hedging their bet on Luke.
Good luck to both TR and LM.