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A stronger RB1 would make your team better - and you do have great depth at WR. If you can get Charles or Foster using your WR depth - than I'd try that over McCoy. You could also stay stacked at receiver and trade for a better RB2 than Tate. Good luck!
It's overpaying - but you can afford to do it based on your lineup - Lamar Miller is having a crazy good season - and will continue to get the majority of the carries in Miami. I say do it!