In PPR I've got CMC #1 overall. Non-PPR #2 overall.
I'm no more worried about him getting hurt than I am about any RB. I'm really only worried about guys like Akers, J.Robinson, and the Ravens guys. That and probably factoring in a missed game or 2 for Dalvin Cook and James Conner. But, not really worried about CMC, Henry, Barkley, etc.
I said almost exactly this last year.
Just because it went badly, doesn't mean it was wrong.
To answer your hypothetical, I'd just say, welp, that sucks, and it would be that. It wouldn't change my thinking at all. It could just as easily be Taylor who gets hurt, just like it was just as easily Henry a year ago.
Side note, I think one of the biggest mistakes an owner can make is playing scared, especially at RB. Half the league is gonna get hurt at that position at some point. Just looking at last year's high picks: CMC, Cook, Henry, Kamara, A.Jones, Chubb, Barkley all missed 3 or more games. Even a guy like Zeke, who didn't miss games, probably should have, and was a lot less effective playing through injury.
I think anyone expecting CMC's 2019 usage is dreaming. He went over 400 touches in 2019. For whatever reasons, over 400 touches is usually followed by injuries. I personally, expect his usage to look a lot like Ekeler's. Still a top 5 back with #1 overall potential.
I'd be very surprised if he only saw an Ekeler level workload. The Chargers have an elite QB with multiple quality pass catchers. They can afford to use other guys. The Panthers have CMC and Moore, and that's about it. Combine that with a HC on the hottest of hot seats, and CMC is going to be a candidate to finish with the most touches in the NFL (I'd bet him #2 behind only Henry) maybe he doesn't hit 400+, but I think 350+ is a fair expectation.