You're interpreting 'need' as what we need to be sure of survival, whereas I was thinking of what we need to give us a great chance of survival.Not sure about that.
We are three points (plus GD) ahead. If Fulham win, a draw leaves us 4 ahead, and Cardiff needing two wins (Palace H, United A) to pip us (assuming a max 1 point from our last two). It wouldn't be the worst result in that scenario in that it cancels any potential Cardiff draw at United, but it doesn't put the season to bed. A WIN (if Fulham have won) and it is all over - surely THAT is what we 'need'?
I'd take a point, because if Cardiff lose to Fulham, they're unlikely to then go and win their next two games.