I understand not wanting to trade Palmer for Culpepper, but I don't think you would find too many NFL personnel guys who wouldn't if the two were the same age, made the same money, etc.
Who added the caveat "if the two were the same age, made the money etc"? They'll never be the same age so why add that in? You said you understand not trading Palmer for Daunte so we're in agreement. That's all I've been saying.
Now if you want to compare the two at the same age then you have to go back to their senior year in college. Palmer was a Heisman Trophy winner and was the #1 pick in the draft. Culpepper was the 5th QB taken that year, so the NFL personnel guys you refer to seem to have preferred Palmer.