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49ers need best of Brock Purdy as NFL playoffs loom. Can he still give it?

In the NFL, there are good wins, there are bad losses, and then there is whatever the San Francisco 49ers produced on Monday night against the Carolina Panthers.

The scoreboard said 20-9. The standings say 8-4. The playoff picture says the Niners are the seventh seed in the NFC, still in control of their playoff destiny.

But the film? The film screams a question that Kyle Shanahan and John Lynch might not want to answer, but one that will define their season:

Can Brock Purdy throw the football the way this offense needs him to?

He couldn’t do it in the 49ers’ loss to the Jaguars earlier this year — Purdy’s lone game between absences because of his turf-toe injury.

Upon his second return, he was ripping the ball downfield against the Cardinals.

But Monday night?

Well, that performance raises all sorts of red flags.

Purdy threw three interceptions in the first, excruciating 30 minutes of the contest.

They weren’t tipped balls or receiver errors or passes that were caught in the wind. They were floating, wobbling invitations to the Panthers’ secondary. He threw with the velocity of a heavy sigh.

They lacked zip, rhythm, and accuracy. That’s the triangle of death for a quarterback.

Purdy swears he’s fine, it’s hard not to blame the quarterback’s “turf-toe variant,” a lingering, nagging, miserable injury that sounds minor but is catastrophic for a quarterback who relies on timing and footwork rather than brute arm strength.

We have to presume the toe is the root of the problem until Purdy proves differently.

Because to throw a football with zip, you need to drive off your back foot — especially if you’re a quarterback like Purdy.

Did his feet look under him Monday?

And without that power — that all-important ground force — he was a beat late and a yard short on nearly everything deep.

And that is the conundrum.

Without a healthy Purdy pushing the ball vertically, the 49ers’ offense loses its top gear when it is most needed. You might as well roll with Mac Jones, who at least knows he can’t throw it deep (he’s the NFL’s worst deep-ball passer).

Sure, a no-quarterback attack led by Christian McCaffrey and George Kittle can bludgeon bad teams like the Panthers. And the Niners’ defense, which played out of its mind Monday, can handle opponents that won’t challenge them deep.

But the goal in Santa Clara isn’t to beat the Carolina Panthers in Week 12. It’s to beat the Seahawks in a third matchup in January. It’s to outscore the Philadelphia Eagles or the Los Angeles Rams in a game with serious stakes on the line.

To do that, you need Purdy at his best. You need the explosive plays that force safeties to back up and open lanes for McCaffrey. You need the threat of the deep ball.

That’s why Purdy’s return game against the Cardinals was so encouraging.

That’s why Monday’s game was so concerning.

Because without deep-ball consistency, the 49ers — and opposing defenses — can’t count on that threat.

So here is the trap: To make the playoffs, the Niners probably need to let Purdy cook.

But every time Purdy tries to cook with that bad toe, he risks serving up turnovers that a strong defense —like, say, the Browns, Colts, or Seahawks — will pounce upon.

If he rests, they might miss the postseason entirely. If he plays like this, they are one-and-done cannon fodder for a real contender.

“Just a hair late,” Shanahan said of the interceptions after the game.

And perhaps that’s all it is — Purdy knows he can’t delay, can’t hesitate, and that he has to go full-bore on every deep pass, like he used to; toe be damned.

Because in the NFL, a “hair late” is the difference between a highlight reel and a eulogy.

The 49ers survived Monday night. They got the win. They kept their spot in the bracket.

But they also have a quarterback who needs to be elite for them to win anything of note, but physically might only be able to manage a game, as the Niners did in the second half against Carolina.

The 49ers have five games to figure out if they have more or will need to make do with what we saw Monday.

Purdy says the toe is fine. It’s on him to prove it.

Because the schedule isn’t getting easier, the need for Purdy to be at his best is only growing, and the “conundrum” is just getting started.

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