I continue to read many posts from owners who put together teams that were dominant for most of the year until the playoffs. Whereby due to circumstances completely out of their control promptly got bounced. In my main league that has been around for 12 years, with virtually the same owners, we simply play head to head with record , and then points being the deciding factor. There is substantial money involved, and we pay down to 4th place so we keep nearly all the owners interested, and involved. In addition we pay player pots for high weeks for a Qb Rb Rec Te kicker , and Defense. I am also in a league with the playoff format, though for considerably less money, and it is nowhere near as interesting or in many cases fair in deciding which owner drafted, and managed their team the best.