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Colin Kaepernick was benched after three quarters on Sunday.
He completed 1-of-5 passes for four yards.
"To me, what's most fascinating about that is what Chip's approach was," Greg Cosell said on KNBR 680 on Monday evening. "Chip (Kelly) clearly did not want him to throw the ball ... it was clear to me that Kaepernick does not throw a wet or a cold ball very well...
"He has small hands so I'm wondering if he just couldn't really throw the ball effectively in this kind of weather.
"Hey, Troy Aikman always said, 'I couldn't throw a wet ball.'"
Kaepernick was sacked five times for -25 total yards.
"Looking at the sacks, there were opportunities for tighter window, but NFL throws -- and first of all, I don't think Kaepernick is that guy under normal circumstances -- and my sense is, he didn't feel comfortable in this weather," Cosell added. "He certainly wasn't gonna cut it loose on those kinds of throws in this weather.
"Maybe Chip knew that, maybe he didn't. But to me, as I said, it's more fascinating that he didn't have him throw the ball at all."
Blaine Gabbert supplanted Kaepernick and completed 4-of-10 passes for 35 yards. He was sacked once.
Colin Kaepernick will remain as the 49ers’ starting quarterback on Sunday against the New York Jets.
Offensive coordinator Curtis Modkins made the announcement on Tuesday while coach Chip Kelly was in Maine for services for his father, E. Paul Kelly, who passed away on Friday.
Kaepernick has started the past seven games for the 49ers, during which time the club has gone winless. The 49ers (1-11) are on a franchise-long 11 game-losing streak.
Kaepernick went 1 of 5 on Sunday for just four yards in the 49ers’ 26-6 loss to the Chicago Bears. Kaepernick was also sacked five times for minus-25 yards before getting benched in favor of Blaine Gabbert. He became the first quarterback in NFL history to be sacked five times and have fewer than 5 yards passing in the same game.
"We have been playing really good football, good football on offense and the thing had been trending in the right direction," Modkins said. "Obviously, Sunday didn’t bear that and we’ve got to go to work today and figure out how to get it back going in a direction we had it and obviously it has to be better than what it was on Sunday."
A week earlier against the Miami Dolphins, Kaepernick threw for 296 yards and three touchdowns and also rushed for 113 yards as the 49ers rolled up 475 yards of total offense.
Kelly said the 49ers made the switch at quarterback early in the fourth quarter on Sunday against the Bears in hopes Gabbert would provide a spark. Gabbert started the 49ers’ first five games of the season before Kaepernick replaced him.
"Kap is going to be the starter and we’ll go from there," Modkins said. "We just decided during the game to try to see if Blaine could give us a spark. Kap is back being the starter. It’s nothing other than that.”