I get what you're saying and tend to agree. There may be some cuts so the list in the link above may not be 100% complete... but we have a pretty good idea of who is available in FA (another factor is if any of those guys get franchise tagged).
On the list above Xavier Rhodes, most of the guys are 29 or older (the exceptions being Mike Hilton 27, Michael Davis 26 and Mackensie Alexander 28). So, not exactly a lot of quality 'young' guys out there (as of now anyway). Several of the guys above Rhodes who are 29 are older also missed time in 2020 to injury (Josh Norman, Richard Sherman, DJ Hayden, Hilton, Alexander, Kevin Johnson, Brian Poole). Then, Patrick Peterson is same age as Xavier, but he made >$11 mil more than him last year.
Ballard definitely seems to prefer taller guys on the outside CB spots... Hilton at 5'9" doesn't really fit Ballard's prototype... Davis at 6'2" seems to, and Alexander at 5'10" is kind of border line. Ronald Darby (27) right below Rhodes is 5'11" so another borderline guy.
Obviously, Rhodes will have some ability to test the market... but I doubt he's going to be getting any offers which are significantly more than what we paid him last year.
Rhodes has familiarity with our DB coach from prior to Indy. He fits our scheme well. He played well here in 2020 and we likely won't have to break the bank on him. I don't know we'll find a better option in FA based on who is available now.
CB is definitely a position where we need help (especially if we lose Rhodes)... but we also need to do something to address the QB issue, the OT void left by AC's retirement, overall OL depth, and DL (especially with Houston and Autry both being FAs and both being on the wrong side of 30). More likely than not, we need to do something to address the WR position and TE position (could be as easy as resigning MAC and Burton). We only have so many draft picks, and my guess is we'll go OT early... plus, CB is one of the toughest positions to thrive at as a rookie.
Ideally, we'd get younger across the board.. but we probably won't be able to do that... I could be wrong, but my guess it that we'll bring Rhodes back on another short term deal (maybe 2 years this time).