Next year. You can tweak personnel, get the subs some reps, and the other host of reasons that have been stated above.
Plus, if you have a shot at the playoffs, you take it. You don't know what could happen in the next year. We've been incredibly lucky on the injury front this year.....next year we could lose Wilson, Thomas, and Unger and be screwed.
Also, like someone else said, even if you lost all 4 games (unlikely, unless incredibly unlucky with scheduling), you still have 12 to recover. If we lost Sherm and Browner for 4 games, and we go and lose 2 more, we're most likely out of the playoffs unless we get a lot of help.
I can agree that I don't think this team is ready for a deep playoff run, and the way we're playing, I guess I could also see this year as beneficial. You could make negative or positives out of any of it.