NFL Week 13 Survival Pool Strategy: Chargers, Rams and 3 More Winning Picks

Breaking down the best Week 13 survival pool options with safe chalk picks, sneaky under-the-radar plays and one high-risk swing.
Nov 16, 2025; Jacksonville, Florida, USA; Los Angeles Chargers quarterback Justin Herbert (10) passes against the Jacksonville Jaguars during the first quarter at EverBank Stadium. Mandatory Credit: Morgan Tencza-Imagn Images
Nov 16, 2025; Jacksonville, Florida, USA; Los Angeles Chargers quarterback Justin Herbert (10) passes against the Jacksonville Jaguars during the first quarter at EverBank Stadium. Mandatory Credit: Morgan Tencza-Imagn Images | Morgan Tencza-Imagn Images

An NFL survival pool is one of the most popular contests for fans looking to add extra drama to the season. 

The concept is simple: each week, players pick one NFL team to win. If that team loses, you’re eliminated. If it wins, you move on. However, the catch is that you can’t pick a team more than once for the entire season. The ultimate goal is to outlast everyone else in your pool.

The challenge and the fun come from striking a balance between risk and reward. Grabbing a heavy favorite early in the season might look like the safest survival pool pick, but using up a top contender early can leave you short-handed later. On the flip side, taking a chance on an under-the-radar team could buy you long-term flexibility, but a loss ends your run before it starts.

A smart survival pool strategy is to look beyond the obvious. Many players try to conserve elite teams for tougher weeks, choosing solid but not spectacular matchups early on. It’s a delicate mix of playing it safe while planning ahead.

Whether you stick with the chalk, hunt for value or take a risky swing, your pick can impact the outlook for the rest of the season. With all that said, here’s how we’re approaching Week 13: 

*Pick percentage is based on Yahoo Sports pick distribution* 

Chalk Picks

Seahawks Over Vikings (Pick %: 5% Spread: -11.5)

Chances are, you’ve already selected the Seahawks. However, for those who haven’t, Week 13 is a prime spot to use them. They’re the biggest favorites, as Seattle is expected to start undrafted rookie quarterback Max Brosmer in place of  J.J. McCarthy. No matter how promising a rookie may be, facing Minnesota’s defense in your first NFL start is a challenging task. At a less than five percent selection rate on Yahoo, pick the Seahawks and don’t think twice. 

Minnesota Vikings quarterback Max Brosmer is expected to start in Week 13.
Minnesota Vikings quarterback Max Brosmer (12) enters the game in the fourth quarter of the NFL Week 3 game between the Minnesota Vikings and the Cincinnati Bengals at U.S. Bank Stadium in Minneapolis on Sunday, Sept. 21, 2025. The Vikings won, 48-10. | Sam Greene/The Enquirer / USA TODAY NETWORK via Imagn Images

Chargers Over Raiders (Pick %: 47% Spread: -9.5)

The most popular pick in Week 13 is the Chargers. They’re also among the biggest favorites this week with virtually zero future value. Omarion Hampton had a practice window opened and is likely to return, which will elevate Los Angeles’ run game. The Raiders also recently fired their offensive coordinator, Chip Kelly, and their only other win outside of a surprise victory over the Patriots in Week 1 was a 20-10 win over the Titans in Week 6. The only downside to picking the Chargers is their higher pick percentage in comparison to other big favorites this week. 

Los Angeles Chargers running back Omarion Hampton had a practice window opened up and is questionable in Week 13.
Oct 5, 2025; Inglewood, California, USA; Los Angeles Chargers running back Omarion Hampton (8) is stopped by Washington Commanders safety Quan Martin (20) at SoFi Stadium. Mandatory Credit: Jayne Kamin-Oncea-Imagn Images | Jayne Kamin-Oncea-Imagn Images

Under The Radar Picks

Rams Over Panthers (Pick %: 8% Spread: -8.5)

The Rams are among the hottest teams in the NFL and face the Panthers, who scored just nine points in a loss to the 49ers on Monday night. Carolina will be without a few key pieces, as well, including Jaycee Horn (concussion protocol) and Tre'von Moehrig (suspension). Those are significant losses in the secondary. The current MVP favorite, Matthew Stafford, will have no problem carving up a shorthanded Panthers secondary. The Rams do have some future value, though. They still face the Cardinals twice and the Falcons, giving them at least three more usable weeks after this one.

Los Angeles Rams quarterback Matthew Stafford is the frontrunner for MVP.
Nov 23, 2025; Inglewood, California, USA; Los Angeles Rams quarterback Matthew Stafford (9) looks to pass the ball against the Tampa Bay Buccaneers during the second quarter at SoFi Stadium. Mandatory Credit: Kiyoshi Mio-Imagn Images | Kiyoshi Mio-Imagn Images

49ers Over Browns (Pick %: 5% Spread: -4.5)

ESPN Analytics rates this game as the most lopsided matchup of Week 13, with the 49ers having a 75% chance to win. The betting market thinks otherwise, but I agree with the 49ers being overwhelming favorites. Shedeur Sanders led the Browns to a win in his first career start, but that was against the 2-9 Raiders. The 49ers are a different animal, even with their defense being decimated. They’re simply the better team and shouldn’t have much trouble with the Browns, as their offense is finally all back healthy. The only factor that makes the 49ers a team to avoid in Week 13 is the fact that they play the Titans coming off a bye in Week 15.  

Christian McCaffrey ranks second in the NFL with 81 receptions.
Nov 24, 2025; Santa Clara, California, USA; San Francisco 49ers running back Christian McCaffrey (23) reacts after scoring a touchdown against the Carolina Panthers during the second half at Levi's Stadium. Mandatory Credit: Kelley L Cox-Imagn Images | Kelley L Cox-Imagn Images

One Risky Pick 

Jaguars Over Titans (Pick %: 22% Spread: -6.5)

It may be controversial to call the Jaguars a risky pick, but hear me out. They’re a fine pick, but I would fade them for these reasons: Cam Ward and Tennessee have been playing better recently, as they’ve covered the spread in three games in a row. The Jaguars also host the Jets in Week 15 and the Titans again at home in Week 18. This is Jacksonville’s third-easiest remaining game, and the Jaguars are the second-most-popular selection. They’re a team that survivor players should save. 

Cam Ward and the Tennessee Titans have covered the spread in their last three games.
Tennessee Titans quarterback Cam Ward (1) hands off to running back Tony Pollard (20) during the first quarter against the Seattle Seahawks at Nissan Stadium in Nashville, Tenn., Sunday, Nov. 23, 2025. | Andrew Nelles / The Tennessean / USA TODAY NETWORK via Imagn Images

Check out our top five games to target in fantasy football Week 13.  

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Michael Rovetto
MICHAEL ROVETTO

Michael Rovetto previously served as the staff writer for University of Maryland Athletics for nearly two years. There, he wrote, edited and managed all editorial content for all 20 of Maryland's varsity sports on umterps.com. Rovetto is recognized as a College Sports Communicators district award-winning writer. Many of his stories have also appeared on NCAA.org, garnering national attention. Before graduating from Maryland's Philip Merrill College of Journalism in December 2023, Rovetto wrote for PressBox and Terrapin Sports Central, covering Maryland men's basketball and football. He also has experience in broadcasting, previously working as an analyst and camera operator for Big State Sports, and communication, interning for Shell Shock TBT as its Director of Communication & Content Development.