Simply put, there's no objective metric that gives McCaffrey an Mut 22 coins advantage over Henry next season. McCaffrey's injury should actually be considered a disadvantage.

Madden NFL 22: Titans' Derrick Henry was second highest in Madden NFL. RB rating
McCaffrey remains the king of the running backs, as per video games. He's a more effective receiver that Henry (2,672 receiving yards but what's the difference?). Even though he's an experienced player but it's not the only stat that shows CMC can beat Henry. EA Sports directors were able to lower McCaffrey's 99 rating this season by being reasonable.

And while we're on that question, why hasn't Henry been a member of the 99 Club yet? Henry's Madden 22 rating has increased by three points over the previous year. But why not add more?

His ranking below that of injured McCaffrey is one buy Madden nfl 22 coins thing, but Henry has done more than enough in order to make his name more prestigious.