I myself spend 20k just because i end up in the top of my league most years i've had my team, and that gets you enough information to try to get a really good prospect in the 1st round.... And every year but 1 i have found a great prospect
My wife is trying something, she has a team in div. V and she is undefeated yet the teams keep going bot, or changing out so even though she will have the last pick in the draft she is putting 40k a week in just to see if she cant get 2-3 great prospects.
I think there could be different strategies just depending on how you are in the standings, if their are a bunch of teams going bot or not and so forth.