What is more risky?

[TheKentuckian]

2. Today another candidate is more risky but the situation is fluid and we don't have all the information

There is a point where Biden is no longer viable though and if we get there slim is better than none.

He won't hold up to many more "cold"/"One bad debate" and cannot battle Chump exclusively in front of a teleprompter either nor can surrogates effectively just replace the actual candidate.

It doesn't track that Biden is irreplaceable and yet that he has no necessary and significant role in his own campaign and everyone else can get it done for him.