At some point late in your fantasy football draft, you might have trouble deciding which backup tight end to select (assuming you want a backup TE on your roster). Post Fantasy Insanity columnist Drew Loftis and Roto Files columnist Jarad Wilk debate whom to take: the 49ers’ Vance McDonald or the Jets’ Jace Amaro.

Drew: This is all about opportunity. Say what you want about Chip Kelly being an NFL punchline, a coach unfit for the NFL, a guy better suited for college, one of the worst personnel directors in recent memory … What was my point? Oh, yeah, one thing you can say about Kelly is that his offense has the potential for high volume. Whoever the QB is — Colin Kaepernick or Blaine Gabbert — they don’t have a lot of options. There’s WR Torrey Smith, RB Carlos Hyde and … not much else.

Jarad: McDonald may not have a ton of competition for catches, but he needs a QB capable of hitting him between the numbers, and then he has to learn how to stop dropping passes (he dropped 13 percent of his targets, which may not seem like a lot, but it makes a difference when you’re looking for TDs in the red zone). Amaro is coming off a shoulder injury that forced him to miss last season, but is getting rave reviews in camp. In 2014, Amaro didn’t have Ryan Fitzpatrick throwing him the ball (he had Geno Smith or Michael Vick). He didn’t have Chan Gailey running the offense, he had Marty Mornhinweg. He also didn’t have receivers who required all that much attention. Amaro is going to get red-zone targets as teams up the coverage on Brandon Marshall and Eric Decker, and I think he could be one of the better sleeper picks this season.

Drew: McDonald scored three times in the final five games last season. Don’t expect that kind of production across 16 games, but those three in five games are one more than Amaro has in his career. I’ll gamble with the guy who has shown a sliver more on the field. Plus, I’m not convinced Gailey is the best coordinator to groom tight ends. The last impact TE under Gailey (as either a coach or coordinator) was Tony Gonzalez with the Chiefs — in 2008.

Jarad: Amaro was drafted when the Jets had a coach (Rex Ryan) who knew about as much about offense as I do Acoustic Radiation Force Impulse Imaging, but he was drafted to be a part of the offense. As a junior at Texas Tech, Amaro caught 106 passes for 1,352 yards and seven TDs. Plus, Gailey has had productive tight ends (six TDs for Mark Bruener with the Steelers in 1997, and back-to-back six-TD seasons for Scott Chandler with the Bills in 2011 and 2012) in the past. Amaro is not being drafted as your No. 1 TE, so you just need production in the weeks you need him to fill in, which fantasy owners will get. A healthy Amaro gives Fitzpatrick another big target. He’s a great low-risk/high-reward kind of late-round selection.

Drew: Reward. Exactly. So if I’m picking a backup TE late, I’m going for upside, and Amaro doesn’t have the same kind of ceiling as McDonald, who could be this season’s Gary Barnidge — the TE who comes out of nowhere. That’s not likely to happen, but it’s more likely for McDonald than Amaro.

Jarad: Amaro will have a chip on his shoulder, trying to prove he can stay healthy — and there’s nothing better than a motivated player with something to prove. His weight is down, he’s working tirelessly on his hands (which McDonald should be doing), and he’s in a great situation where he will become a viable fantasy TE this season.