I agree, never bench your studs, however I am forced to say Flacco is a stud this year as per his stats. The only thing that scares me about him is that hes had a couple games where he hasnt done squat, and then in the 4th QTR he saves the day. Schaub has the glow, plain and simple.
What I think will determine the fantasy stats:
Cincy has 5th best rushing defense, thus Flacco will throw more. Cincy has 30th best passing defense.
Indy has the 17th best rushing defense, thus HOU will run it more. Indy has 7th best passing defense.
Go with Flacco.