Is R/F really like paying for INSURANCE PREMIUM?
Many think putting in place an R/F will provide a safety measure for when one of your rucks is out. I think this strategy is fraught with danger.
Its akin to someone living in inland QLD going to their insurance company in September and wanting home insurance for both bushfires and floods.
Insurance company says we as we do not know risk of either (both equal risk) occurring nor whether government will be prepared, they cannot price it. So they say you can pay $1500 and take a choice if you want bushfire OR flood cover but not both. Otherwise we can wait to December when we have a better idea of risks and it will cost you $2,200 for both bushfire and flood. best analogy I could see!
Is the person who get coverage in september really that much better off?
The reason I use this analogy is prior to season starting we don't know who the best R/F to have will be. Paying $400k now and then finding you only get 60points a week, clogging up your forward line and maybe gets dropped/injured etc like Lycett/TBC is not a safety net.
Yes, its unlikely our rucks will play 22 games, however, hopefully if any of our main rucks are out, it will be post round 7-8 when we are looking at upgrades. By then we will know who the best person to bring in will be (most likely only one at best will stand out).
Chasing insurance now is expensive and can lead to trading in and out underperforming R/F. I had Hale (think 2014) sitting in fwd line and then he gradually fell away scoring and eventually dropped, forcing me to trade him. Why? R/F is usually the second ruck in the team (sitting fwd most of the time) and is competing against other R/F, pure rucks and forwards in the squad.
Best advice is to wait and see and address the insurance once the season has commenced.