Lol, now that I think about it, I was faced w. the same situation in the E8 last season (76 or 77 health) and played the injured guy (and lost by a pt in OT). So do as I say, not as I do! I did cut his distro by about 50% though.
But he was my best player, and I felt there was a major drop-off if I benched him. In general, I would play a guy at 74 health.