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Beni,
In years 7 and 8 it would still be a $20M whack, because that is the number that a front office would count against any budget cap.  If Fielder were injured and done by then he would be a $20M anchor and nobody would look at it as a $5M salary.....mostly because it wouldn't be a $5M salary.
No matter how you look at what Figgins salary MIGHT have been, we still owe him $9M a year for three years. 
I suspect that if years 7-10 (or 7-8) were no-brainers then Boras would have already been offered the contract he wanted. 
Doc, you've already postulated the great drag that Pujols' contract is going to place on the Angels in years 5+.  Just because they might have offered him 8X$32 that doesn't mean that years 9-10 are somehow free years.  In years 9-10 he's still getting $25M.  You could argue the inflation factor, I suppose.....But you haven't yet.
moe