But I'll rephrase my earlier question, since you're so "simple": give me one example when a manager writing Ripken's name in the lineup BEFORE THE GAME STARTED was a bad decision for the team given who they had on the bench to take his place.
Virtually every game from game 40 on any season, especially after ~'92ish? Somehow you've massively oversimplified this in your head. You're just asking the question "is there some guy on the bench who could be better than Ripken for any one game," to which the answer was almost certainly "no" at least nearly all the time. But it's not that simple. Most players perform better when they're getting some rest. 1996 was Cal's last season as primarily a SS. He hit .278/.341/.466 - just above league average for a hitter. The backup was Manny Alexander, who barely hit over .100. But what if, in 154 games, Ripken would have hit .285/.350/.475? Even with Alexander's .103/.141/.103 line, you come up with just a few less hits, possibly a few less total bases, and a better net OBP. And in 1995, Ripken OPSed only .745, while Alexander OPSed .617 and Jeff Huson .631. At that point you don't need to see a very substantial improvement in Ripken's rested performance relative to his streak performance at all to wind up with a better net output for the season.
Of course, that still assumes Ripken would hit better if he took some days off. I don't think that's an unreasonable assumption, though. Over the last 7 years of the streak (1992-1998, ages 31-37) Ripken had a net OPS+ of only 96. In his last 3 seasons as a part-time player from ages 38-40 he had an OPS+ of 99.