While I'm sticking with my opinion that he should have waited, your last sentence is something I've been wondering as well. Did the thought never cross their mind that Cutler could get hurt and they would be stuck with Todd Collins?
I truly believe that the Bears had a better chance to score with Forte or Hester running the wildcat than with Collins at QB. Collins looked worse than any NFL QB I've ever seen yesterday. He was inaccurate, he was making terrible reads. He wanted no part of that game. It was still a 14 point game at that point and they couldn't keep throwing the defense out there after quick three and outs.