If USFS believes that both Naumov and Torgashev would come in last in the FS, does it make sense not to have either of them skate? Split the women. Assign Ilia to the FS. Ilia can just go out and take a bow in the FS, especially if the U.S. has somehow managed to lock up the win by then. (Men's FS is the last segment of the TE.) Part of me likes this because I think that Alysa, Amber, and Isabeau all have done so much more to earn a spot in the TE than either Max or Andrew. But, I doubt Ilia would agree to this or that USFS would put him in that position.
If the USFS wants to win the TE gold then the only option is for Ilia or ChoBat to do both segments of the TE, IMO.
Ilia's two lowest scoring FS this season apart from Nats - Lombardia & GPdF - where he took it easy in the FS he scored 197.78 and 215.78; compared to Sato whose highest FS score is 194.02 from the GPF.
At Lombardia his jump protocol looked like this: 4F, 3A, 4Lzq, 3Lz+1Eu+3S, 4T, 4S+3A+SEQ (ETA - his 4T had a sketchy landing, so he couldn't add the 3T on and lost points there)
By GPdF, he upped his jump content to the following: 4F, 3A, 4Lz, 3Lo, 4Lz+1Eu+3F, 4T+3T, 4S+3A+SEQ
The way I see it, he does a jump layout similar to either Lombardia or Nats, he is going to easily win the FS, but I don't know how much that would tire him out for the Men's event and there is only 1 rest day separating the TE Men's FS and the Men's SP.
I'm not sure I think there's much good use in splitting the women - as
@PRlady has pointed out, doing so leaves one of them (likely Levito) out in the cold and if the USFS decides they're all in on the TE gold and both Ilia & ChoBat agree to do both segments, then I think taking the ROC '22 approach where they don't split any disciplines is the wiser approach. That way none of the skaters/couples left out is in a position to feel like they were purposefully excluded.
What's clear to me, in running the numbers, is the USA's weak links are Pairs (both segments) and the 2nd man. Nine months ago, when Brown seemed like an almost certain lock for the team and you were looking at him being able to deliver a solid program that finished no worse than 3rd in the FS, it was still going to be tight, but doable for the USA to split men & dance with no repercussions. Now, with the choices being Torgashev or Naumov... Either settle for silver or go for broke and split nothing.