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Re: Next years QB
Whether or not it makes sense to do this all depends on your perception of the injury risk.
Important reminder that I'm going to keep saying till I'm blue in the face: this only guarantees the salary AGAINST INJURY. If he's not hurt GOING INTO 2016, then the team can cut (or trade) him and walk away from the $16M salary with no cap consequence. In other words, this only guarantees against injury, not against sucking.
So if after considering that, and you still feel it's a big risk, then you must think RGIII's chances of having an injury big enough to last from the end of 2015 into 2016 is greater than 50%.
I'd say that's crazy. Even the devastating ankle injury last year didn't span the entire course of the offseason. Even if he got hurt in week 17, it still wouldn't have. There are only a handful of injuries that could span that long, the dreaded ACL and achilles stuff. Possible, sure. Greater than 50%? If you think so you're a panicky little risk-averse schmuck.
Do some cost-benefit thinking once in a while, tools.
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God made certain people to play football. He was one of them.
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