Yeah, it sucks when your team has major injuries at the most important time of the year. Back in 2008, my Brewers lost Ben Sheets, and Yovani Gallardo was coming back from the DL when they entered the playoffs against the Phillies. Even if 100% healthy, I think the Phillies were the better team.
Analyzing this Cards-Cubs series, I think it is very difficult to say for sure that the Cards would have won even if fully healthy. Record-wise, they were the top team. But this Cub team really impressed me by how fast they matured, and how confident they are despite their lack of playoff experience. I think they are peaking at the right time - playing the best ball in the NL - & yet, have room to grow & improve.