I originally voted for Gurley, then revoked my vote and selected Goff because you asked two different questions that I feel has two different answers.
This may not make any sense whatsoever, but when you ask who can we least afford to lose, I choose Goff. If Goff went down, Mannion is up next who is a complete unknown. But I think it would be a big drop off. At least for Gurley, we have Malcolm Brown as a fill in.
OTOH, for the question of who has had the most impact to date on our being undefeated, it clearly and compellingly feels like Gurley to me. Goff hasn't been bad, he's been pretty good in fact, but Gurley has been on another level. I give him the most credit for being undefeated.