I think it bears mentioning that if you think a realistic ceiling for the team you're building is "Good enough to beat any team in the league if the ball bounces the right way," (i.e. Memphis) you'd better build a team with a pretty young core group of players if you want to win a title. You will need to have lots of opportunities and plenty of time for your players to gain experience playing together in big games.
If you put together an older core group, it better be talented enough to be one of the very best teams in the league right away, like the 08 team.