Unfortunately when you lose a star RB you draft relatively high like say 1st or 2nd round in most redraft formats, you are largely out of luck.
And it's not just RB, almost anyone you draft and lose to season ending injuries, very difficult and next to impossible to recover.
I think it’s imperative to build a roster that can handle at least one season ending injury to one to your top 1-2 RBs and still remain competitive. I plan on it at this point. Inspired by Dodd’s Perfect Draft, I sluff QB but pick three in hopes of one elevating to a top 5 QB during the year and I sluff some at WR knowing I’ll work the waiver wire hard and fast to round out the 1-2 decent top 25 WRs I’m limited to with this strategy. In sluffing, I can get more quality into my RB corps and lessen the impact of a serious injury. With flex lineups, I’ll probably be starting three RBs I want the 4-5 best RBs I can get at the draft. Although I never see other owners go this hard for RBs at draft, Chubb’s injury is the perfect example of what you need to prepare for each season.
This is an old school roster construction philosophy that maybe isnt as common as it used to be.
It used to be a lot harder with half of the teams in your league or more taking 3 RB at the start of the draft.
Patterns like this is partly what led to PPR scoring to try to change this dynamic.
But the reason people drafted RB so heavily in the early rounds was in large part about insurance for inevitable injuries, not just because RB touch the ball so much. Then ADP causing some to follow suit so they wouldnt be left holding the bag.