Neither Cruz nor Rubio is going to run against Trump again except in the unlikely event that (post-Dems taking over Congress) Trump tacks so far left that conservative media like Fox News turns against him. They're both waiting until 2024 to run for president again.
OTOH, I can actually imagine Rand Paul deciding to challenge Trump, despite all the sucking up to Trump that he's currently doing. It's not likely, but it seems more likely than either Cruz or Rubio running. Cruz and Rubio actually have ambitions to lead the party post-Trump, whereas Paul is never going to be able to do that, so he has less to lose.
I think you make a very good point, but if it seems clear that Trump would lose renomination I can't imagine either Cruz or Rubio choosing to remain on the sidelines.