I think they have changed what happens for finishing 5th.. used to be pay nothing through finals, but they found to many going for 5th, so changet.. cant remember what it was changed to, but am sure you pay something now..
Smoky could be sitting back, staying in touch and earning a pretty penny doing it.. the guy could have millions ready to drop when wants to compete.. or, could be a farm team! never know :P
as for end of season rentals, remember they now take a big hit to gameshape.. dont leave it to late :P