I don't think McCarron has peaked in terms of development. I think it's unlikely he could have another season where he throws next to no interceptions. Of course, he threw only 5 in 13 games last season.
Also, I really think that the 2013 team has a higher ceiling than this year's and an easier schedule to boot. Almost every game that has some relevance comes after a bye or game(s) where we win getting off the bus. If we could keep Mosley, the defense has huge potential if we can get a 3rd corner to step up (Fulton, somebody!) to solidify the nickel look with Milliner gone. The linebackers would be a Senior Mosley and 3 other Juniors. Pagan replaces Square, Ivory for Williams, and Stinson as a Senior.
If the OL can do something like the 2009 unit and exceed expectations when everybody expected them to be a weak link...watch out for this team.