Did I ever mention how awesome you are Shanmag ;)
I would actually go with neither. I think in division III you should be binary. Either you should have a pathetic team and about three players that you are training to be the future stars of your team (or sold for a massive profit) and making a fortune $150,000 + profit each week, or you should have a killer starting five and (not everyone agrees with this, Naker and PP both have no benches) at least two solid backups off the bench.So look at your league. Can you promote? If not tran and save. If yes then ruthlessly go for it with the best starting five you can muster plus two solid bench guys.