Cotto's future if he loses?

[SweetPea]

I don't see him going down in weight, 147 is his most natural weight class.

If he loses, he'll do what most beaten fighters do, he'll fight some easy opponents to get his confidence back, and then 2 or 3 fights down the road, he'll get another shot at a big fight.

Spot on, i agree 100%

Here is an idea (though it will probably never materialise):

Mayweather vs. Winner of Judah-Cotto for Welterweight title
Margarito vs. Loser of Judah-Cotto and the winner becomes number one contender

If PBF is offered enoygh $$$ he will come out of 'retirement', the winner of Judah-Cotto would be pleased that they are getting a shot at the Ring championship belt, Margarito ducks no one and would enjoy finally getting a big fight and the loser of Judah-Cotto would be grateful for a 2nd chance (or a 4th chance if the loser is Judah)

That could be sorted within a year and then after that Mosley should fight the champ in a final fight

There's no way Floyd fights the winner of Cotto-Judah if Zab is the one who wins. A Mosley fight is worth more money than a Zab rematch.
However, if Cotto puts on a spectacular knockout performance, there's a chance that a Cotto-Floyd fight becomes more marketable than a Floyd-Mosley fight.