This isn't for my team, as sadly it was eliminated (I poured some out for my homies), but for a buddy of mine. Neither is in a great situation due to their QB situation, and weather may play a factor for Rice as well. Lloyd may not be 100%. Not an easy decision. I gave him my flip-a-coin choice, but am curious as to who you guys would start.
I wouldn't touch Lloyd with your ten foot pole right now, especially with a rook "quarterback" throwing to him. Rice has been a dissapointment, but the Broncs have been even more of one and are currently crumbling to bits. Plus Rice has the better matchup. Llloyd versus Nnamdi is a death sentence. Last time he got held to one catch, no TD's after putting up like 325 and 2 scores over the previous three. Rice might not be getting in the endzone but he still has 1200+ total yards and still gets catches if it's PPR.
I'm saying I certainly wouldn't count on his doing so in his his first NFL start, especially if you're in a playoff matchup. Especially since his game experience up to this point has basically been as a goalline running back.