Okay, but death counts as a career-ending injury, too. I don't think people realize how many people die in car accidents each year. And for college-age males, HALF their deaths are in car accidents. A torn-up knee isn't really career-ending anymore, unless it's like Milton's or Marcus Lattimore's...and yet he even came back and played some in the pros, albeit at a less-effective level.
I'm just saying that there are insurance policies all over the place, they're sitting out bowl games, sitting out more than bowl games (Bosa), but they're driving every day. The odds you get hurt badly in one football game (bowl) are insanely low. Why play any games? Just put together a video like Uncle Rico, showing how you can throw the ball over that mountain.
All I'm saying is that the act of sitting out is an overreaction and probably isn't a statistically valid move.