Culpepper, without a doubt. I'm in a 12 man keeper leauge and we get to keep two two players each year, but we have to pay their salaries (what they scored in league pts expressed as dollars) and subtract that from our $1000 cap. They cost me about $360 to keep, so I entered our auction/draft with $640.
I've seen little return on my investment.
Starters - 12 Team Leauge