I think it is definitely worth taking the point penalty, no matter how many it takes when a player WILL DEFINITELY not play. Think about it. It costs you 4 points per transfer. If the player you put in PLAYS, thats 2 of those points automatically recouped. If you need to make more than one change, taking out a player like Lampard, with his value, will allow you to bring in better players.
I have Lampard but have made a couple of changes already. Can you clarify how many Premier League match weeks he will miss, so I can ponder making the extra transfers on top of the ones I have already. I have found some info saying he is expected to be fit.If not, if its only the one, I may leave him on the bench since I already have an 8 point fall to make. Red, what about Rooney?? Is he still out? I dunno how you guys find out the gossip on injuries...it seems news sources dont have much access...well bbc sport at least.
But I advise you make all the 4 point losses you need, since like I say, a player that plays recoups two anyway, and then an assist or goal will put you in the plus.