Why do you say Luck will be a dud? He was the 4th rated fantasy QB last year with a bad shoulder. I understand I need a backup plan, which is why I took Rivers. But 2nd half of the season and playoffs, it's a nice ace to have up my sleeve.
I know of ton of people in Indy and the inside info is that there's a chance he's out for the season. Or at least a good chunk of it.
That's the fist part, second part is that the colts are a disaster. They have ruined the guys career by not protecting him and nothing has changed on that front.
You will be just fine with Rivers though.