I'm not planning to use it a lot, but i have used it around 20% to 30% of the time. I'm in division 4, so my competition is minimal. I have 16 players with salaries ranging from $5, 000 to $15,000 and my top 10 core have salaries between $9,000 and $15,000, and when i match up to teams that have 2 to 5 players with salaries in the $20,000 to $40,000 range and the rest around $2,00 to $8,000, i usually clean their clock, which leads me to believe that - to an extent - balanced teams with depth will beat out teams with just a few superstars. Now i have no idea whether that applies to teams in better divisions or not.