I'm on the Chubb side.
Few seem to want to acknowledge this, but Monty was a middling RB until the schedule softened up and the other RBs got hurt. Now they've brought in a more talented backup who should serve as a breather back, and Cohen is reportedly back healthy, I see Monty disappointing at his ADP if folks are drafting him thinking he's going to be a top 5 back.
Meanwhile, yes Chubb's ceiling is capped by Hunt, but Chubb's floor has been rock solid in that same circumstance. You can set your watch by Chubb's productivity. Sure, he got hurt last year - then came back just as strong. And who's to say it won't be Hunt getting hurt this year? It's a dangerous sport. Anything can happen.
But assuming good health for all players mentioned herein, Chubb is the most talented back in the bunch, so that's the side of the deal I'd want to be on.
The picks are the steepest price here, no argument there. Going from top 5 to 11 is a big drop. But 2021 is a pretty deep draft. Sermon went 1.11 in my rookie draft, for example.
I'm probably in the minority here, but if I'm in win-now, I take what I see as a massive upgrade from Monty to Chubb. I think Monty is a borderline bust this year given the expectations I keep seeing from people. He won't be terrible, but I don't see a top 12 RB. Yes, I know, hot take.