Guessing the setup is starters play the first half and backups the second half?

That is the default for MFN in Rosters Only leagues.

I am not sure if pulling the starters at halftime overrides the overrides. I posed that question in the forums recently and did not get a clear answer from anyone.

that question = https://ncaaf.myfootballnow.com/community/3/6237?page=1#38260