So I have Stafford on a bye this week, with Colt McCoy and Carson Palmer on the bench. I'm playing the worst team in the league (he's 1-7, I'm 7-1). His highest week was a 90, and in week 7 he had an 11. I only had two weeks where I was below 130, one was a 97 when ray rice was on a bye and the other was an 88 on week 7 when I had welker, bradshaw and nicks on a bye, mcfadden hurt his foot on the first drive, and Baltimore sucked it up on Monday night. The perfect crap storm for my only loss

The main payouts go to highest score (which I have a 75 point lead on) and best record (which I'm also in first in).
Should I take the guarunteed 10-12 points for McCoy, or leverage the one week I might actually play Palmer for the variability? What would you do?