You do know you cannot always captain the highest scorer in your side every round and in no way is banking 146 the wrong decision, even if the alternative goes 180+. I do enjoy watching coaches continually knock back 125+ every season and failing to learn the lesson.
It’s the wrong decision when you have a specific player in mind for the Captaincy and strongly feel he’ll go huge... yet bank the “safe” points only to see your number one choice go massive like you suspected he would.