Husso hasn't been good enough and I'd be surprised if we don't bring in a guy to at least compete for the backup job next year. However, we do need to consider that we are paying just $50k above the league minimum for Husso and that there are 115 goalies with higher cap hits. You are usually spending an extra $250k-$750k for the veteran NHL-caliber backup and I don't know that we could have brought in Hoffman if we had paid that. Remember, we were going to need to move a contract out to bring Tarasenko back before Gunnar hit LTIR. We quite literally didn't have the extra $250k-$750k to buy a comfortably-NHL level backup.
Tokarski was an option, but I don't think anyone would be comfortable with him as the backup. Same with Aaron Dell. Same with Keith Kinkaid. Same with Malcolm Subban. Hutchinson is really the only guy making under $1M that fits the bill and he was never going to pick the Blues over Toronto. He is from Ontario and had a chance to get a 2 year deal where he'd be playing in Toronto whether he was in the NHL, taxi squad or AHL. In a pandemic, there is zero chance he is turning that down to come here for similar money.
Again, Husso hasn't been good enough. However, even if you ignore that we needed to find out what we had with him, we have to consider that there was a tangible (and necessary) cap benefit to have him in the lineup. This roster isn't winning a Cup if Binner goes down. There was no bargain goalie on the market capable of winning 2+ rounds behind this roster (or more accurately, no goalie more likely than Husso to have a miracle 2 months). I'm comfortable saying that swapping out Allen for Husso and Hoffman gave the team a better chance at the Cup this year. Husso is 8-5-1 this year. How many more points would we have in those games with Allen back there? Are we 9-3-2? 9-2-3? That's about as far as I think you could stretch it with a straight face and it is only a 4 point difference in the standings. Now how many fewer points do we have without Hoffman? Hoffman is 3rd on the team in scoring, 2nd in goals, 1st in PP goals and is the best 6 on 5 scorer in the league. I'm comfortable saying that not having him would have cost the team more points than the backup downgrade has.
It is clear that we need to explore backup options this summer, but I don't think it is accurate to say that our approach to the position this season has cost the team.