As of opening day in real life, the average is roughly three players per club on the DL. As of August 31st, the average is roughly five players per club on the DL.
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Originally Posted by joefromchicago
In real life, though, this sort of situation would be handled by the team's insurance policy, so the club wouldn't actually be stuck with the entire $11 million bill for a pitcher who can't pitch. Of course, that's not something that is handled in OOTP. I'm sure there are those who would want that option, but there are others who would rather play OOTP as a baseball simulation than as an accounting simulation.
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It could actually be an interesting strategic decision for GMs. Do you pay out some amount of your revenue/budget to insure this star player's contract against injury? Or do you take your chances? Of course, any such 'insurance' system should be kept limited and simple for ease of use purposes, as well as for the fact that there isn't much in the way of publicly available real-world data to serve as a reference.
For wealthier clubs it wouldn't offer much challenge or benefit. But as an option for more financially-strapped clubs, it certainly presents some strategic choices worth considering.