Do you like buying insurance? Or do you do it just because you feel like you’re supposed to? Because it is the responsible thing to do? Even if you don’t need it? Like, you wouldn’t buy flood insurance if you live at the top of a hill, right? Sometimes the coverage of whatever you want to insure isn’t worth the cost, right? Hence, not all insurance options are created equal.

Handcuffing fantasy running backs is essentially investing in an insurance plan. Some of these plans are wise, just because of the value of your insured investment. Some of them are too expensive. Some of them are just wasteful. Here is a breakdown of every AFC roster’s RB handcuff options for a traditional 12-team PPR league, as succinctly as we can make it:

Cuff options: Zach Moss, Devin Singletary.

Review: Neither have a high draft value (Moss going a bit earlier with both going in rounds 8-10). Either’s value would rise significantly if the other is sidelined.

Verdict: Worth it.

Cuff options: Myles Gaskin, Malcolm Brown, Salvon Ahmed

Review: Gaskin took the lead last season. Ahmed was his secondary. Brown has been introduced to the mix. If Gaskin falters, it is unclear which of the others will assume his workload, if it even goes to just one of them. Considering the low draft cost of either Brown or Ahmed, though, it isn’t a costly policy.

Verdict: Coin flip.

Cuff options: Damien Harris Sony Michel, Rhamondre Stevenson, James White.

Review: Surprise! The New England backfield is a mess. We’re OK investing a middle-late pick on Harris, or a later-rounder pick on White, or a dart throw at Stevenson in deep leagues. But there is no clear handcuff here.

Verdict: Don’t buy insurance.

Cuff options: Tevin Coleman, Lamical Perine, Ty Johnson, Michael Carter

Review: If you get trapped into zero-RB, we think you could do worse than a Coleman-Carter tandem. But we really are more inclined to make an uninsured middle-round investment in Carter. The other two should be ignored.

Verdict: If desperate.

Cuff options: J.K. Dobbins, Gus Edwards, Justice Hill

Review: If Dobbins goes down, we anticipate a mess of Edwards and Hill, who will have to compete for goal line carries with QB Lamar Jackson.

Verdict: Don’t bother.

Cuff options: Joe Mixon, Samaje Perine

Review: We already don’t like the Bengals’ offensive line, so if the superior talented Mixon goes down, we have serious concerns about the running game in general.

Verdict: Don’t bother.

Cuff options: Nick Chubb, Kareem Hunt

Review: The good: This is a perfect handcuff situation – if one goes down, the other elevates in value, particularly Hunt if Chubb is injured. But Hunt will also likely require a pick around the sixth round, which is quite expensive.

Verdict: Be prudent.

Cuff options: Najee Harris, Benny Snell

Review: Snell has been around for several years now and has yet to establish himself as a fantasy commodity when asked to step up.

Verdict: Don’t bother.

Cuff options: David Johnson, Mark Ingram, Phillip Lindsay

Review: We expect the Texans offense to be a four-alarm garbage fire. We don’t really want any of these players on our roster, much less two of them — even for pennies in draft capital. If in dire straits, roll the dice on one, preferably Lindsay.

Verdict: A rip-off.

Cuff options: Jonathan Taylor, Jordan Wilkins, Marlon Mack

Review: The Colts’ line is among the best when healthy, and early injuries worries have been somewhat abated. But it is unclear who, if either, between Wilkins and Mack would get the lion’s share of Taylor’s workload.

Verdict: Pass, but be ready to invest on waivers before an injury if a clear second option is established.

Cuff options: Travis Etienne, James Robinson

Review: Robinson has been trending upward in ADP in recent weeks, making this an expensive investment – essentially picks in close proximity around rounds 6-8.

Verdict: A bit pricey, but worth it if you have Etienne slotted as a fantasy starter.

Cuff options: Derrick Henry, Darrynton Evans, Brian Hill

Review: Henry is a unicorn. If he goes down, neither of the remaining options can remotely hope to approach his production.

Verdict: Don’t bother.

Cuff options: Melvin Gordon, Javonte Williams

Review: This is one where we don’t expect either to be fantasy worthy if the other remains in the mix. Williams especially is seeing his cost rise beyond what the Madman is comfortable with, particularly for a running game for which we have limited expectations.

Verdict: Not expensive, but still too pricey.

Cuff options: Clyde Edwards-Helaire, Darrel Williams, Jerick McKinnon, Darwin Thompson

Review: Last season put a dent in the Andy Reid’s reputation of delivery strong feature RBs who excel in fantasy. No clarity on what workload split would be if CEH goes down.

Verdict: Don’t bother.

Cuff options: Josh Jacobs, Kenyan Drake

Review: One of our favorite handcuff options. We think Jacobs is undervalued, with an ADP that sometimes sees him last until the fourth round. And if he goes down, the cost for insurance is just a pick around the ninth round for Drake.

Verdict: Worth it.

Cuff options: Austin Ekeler, Justin Jackson, Joshua Kelley

Review: We saw this possibility in action last year, with terrible fantasy results.

Verdict: Don’t bother.