Yeah, I can't take any of those pundits (or Lemmings) seriously when they're making those claims. It's already a chaotic election, and that would introduce a whole new level of chaos 3 months before it. For the right wingers, it makes sense to be sowing that kind of chaos. For our side to be joining in is absolute insanity.
Also, the fantasy football comparison is spot on.
Like, Biden's the incumbent and candidate. Deal with it. If he's unable to perform his duties for whatever reason, we have a procedure for that (and for those fantasy football pundits, you'll get your President Harris).