I agree with your logic here that Saquon might be the better option down the stretch, and hopefully he gets a heavy workload once he’s 100% back (I drafted Saquon 12th overall and kept him all year)
But it can’t be overlooked that Chubb has put up points even with Hunt active. However adding a healthy D’Ernest to the mix does make their backfield a bit murky (e.g. chance for vultured TDs)…
Given your current record, I like the play for Saquon - pretty sure him and CmC were consensus 1-2 picks last year, so with Cook that’s a pretty insane RB trio for you.
Only thing I would add is that you should try to get a bit more for Chubb, as I think he’s currently valued higher than Saquon. For example if someone offered me Chubb for Saquon I’d do it in a heartbeat… if it was Chubb for Saquon + James Conner/Eli Mitchell/Mike Williams (my flex plays) I would most likely still pull the trigger.
Hope this helps