I am confused; you asked about Garcon in two seperate questions? Is it two diff leagues???
Regardless, I dont pick up Jennings; in the leagues I am playing this weekend, i have RBs I trust more then him (as do my opponents). If somehow your opponent made it this far with so-so backs, maybe then I pick him up just so that my opponent does not get him.
For your two questions, I take Garcon over Jennings-Fred Jackson; In a must win game, I think Manning will rip the raiders to shreds, and Indy cannot run, so it will be in the air. But I take Lloyd over Garcon. Houston is still terrible at pass D - I can see Lloyd getting open a lot, and tebow at least on a few of those chances connects with him.
Something about playing a backup RB in a championship game, thats a little too risky for me. But the match up is decent at least if you do decide to go with him. I just prefer the players who have been doing it all year.