2018, 2019 - if you're Utah and want to give yourself the best chance of winning, you don't start a freshman Zach Wilson or a still-injured Zach Wilson. Especially not when you have Tyler Huntley who looks like he'll stick at the NFL.
If you're trying to put your best team forward each of those years, Zach Wilson doesn't start. And it's honestly the right decision (for those specific years, albeit not long term).
And then, without those 2 years starting and the experience, good and bad, ZW isn't the same ZW and doesn't go anywhere near this high. Maybe he doesn't even go visit Beck because it's not clear to him how much he has to improve.
Utah's choice wouldn't have been wrong in 2018 or 2019 - ZW wouldn't give best chance to win those years. But it would have kept Zach Wilson from being a thing. This, to me, is one of the big arguments for going to a lesser (by P5/CFB perception standards) school with lesser recruits.