I have LT2, SS and the Bears D, and I'm out of the playoffs in the first round.
I shattered the all-time scoring record in my league this year but squeaked into the playoffs as the #5 seed out of six. The guy I lost to was griping last week about having to play the league's highest scoring team in the Wildcard game, but he beat me by ten points. I scored half of my regular-season average. What a load!
I made a spreadsheet where I pitted every team against every other teams' schedule every week. Had I played ANY OTHER team's schedule I would have won my division, gotten a first-round bye, and would still be alive. I played the one schedule that could have made me 8-5 (just a fluke!) and now I'm out of it.
Yes there is skill involved in creating a team of top players, but when it all comes down to luck in the end it's pretty hard to swallow.