Tony Dungy plans to play regulars against the Chargers on Sunday as the Indianapolis Colts try to join the 1972 Miami Dolphins as the only team to go unbeaten through 14 games in a season.

The oddsmakers believe him, making Indy a nine-point favorite.

Even with the Colts on their fast home track, that’s a big spread.

The Chargers should be motivated – they are in a desperate three-game battle with Kansas City and Pittsburgh for the final AFC wild-card spot.

The Chargers took the Colts to overtime in Indy last season. But they certainly didn’t play like a desperate team last week, losing 23-21 to Miami at home, an unforgivable defeat for a team trying to land a playoff spot.

“It’s very difficult, because you think about ‘what if,'” says LaDainian Tomlinson, held to 75 yards in that game.

“It’s normal to do that. ‘What if’ is always creeping up in your head, but I think you’ve got to constantly remind yourself that ‘what if’ could have been easily 13-0 like the Colts.”

Thirty other teams also have “what ifs.” Like the Chargers, they aren’t as good as the Colts. And/or, like San Diego, they have underachieved all season.

Beyond that, Peyton Manning is a student of football history and would love to be the leader of the second team ever to go unbeaten. His teammates agree – although they also know, as Dungy notes, that a Super Bowl victory is more important than an unbeaten record.

This week, they go for the spotless record. Next week, when the Colts go to Seattle for that quarterback clash between Jim Sorgi and Seneca Wallace, all bets are off.

COLTS, 30-20

Kansas City (plus 3) at New York Giants (Saturday)

The Giants’ run defense had a bad game last week and rarely has two bad games in a row. But middle linebacker Antonio Pierce is out, so make it a shootout.

GIANTS, 30-29

Tampa Bay (plus 41â2) at New England (Saturday)

Tom Brady and Foxborough over Chris Simms and the warm-weather Bucs as the Patriots secure the AFC East. Although Brady is a little gimpy.

PATRIOTS, 19-13

San Francisco (plus 15) at Jacksonville

The Jaguars cruise toward the playoffs.

JAGUARS, 30-3

Pittsburgh (minus 3) at Minnesota

The Steelers favored on the road against a team that has won six straight? The Vikings’ soft schedule accounts for that.

STEELERS, 24-20

Denver (minus 9) at Buffalo

The Bills are unraveling. The Broncos aren’t.

BRONCOS, 27-7

Atlanta (plus 3) at Chicago

Depends on Vick’s health, but the Bears’ defense is quick enough to contain him, especially at home.

BEARS, 16-14

Dallas (plus 3) at Washington

It’s a long shot, but the Redskins still can win the NFC East.

Not after this week.

COWBOYS, 21-16

Seattle (minus 7) at Tennessee

The Seahawks cruise toward home-field advantage in the NFC.

SEAHAWKS, 33-13

Carolina (minus 71â2) at New Orleans (Baton Rouge)

Does anyone remember that the Saints won on opening day in Charlotte?

PANTHERS, 24-7

Cincinnati (minus 7) at Detroit

Marvin’s lads clinch the division.

BENGALS, 27-14

Green Bay (plus 3) at Baltimore (Monday night)

Another prime-time dog of a game.

RAVENS, 6-2

New York Jets (plus 8) at Miami

Nice late run by Saban’s team.

DOLPHINS, 22-13

Philadelphia (plus 31â2) at St. Louis

Mike McMahon over Ryan Fitzpatrick. Andy Reid over Joe Vitt.

EAGLES, 26-10

Cleveland (plus 3) at Oakland

Long term, Browns quarterback Charlie Frye might be pretty good.

BROWNS, 20-10

Arizona (minus 1) at Houston

Everything has gone wrong for the Texans. So this week they blow the Reggie Bush pick.

TEXANS, 17-16

LAST WEEK: 9-6-1 (spread), 13-3 (straight up).

SEASON: 96-108-4 (spread), 142-66 (straight up).