The Money league I'm in has 16 teams and four divisions. Been around 20 plus years and I've been in for about 7 or 8. Divisions work well for us and we added an extra playoff team to eliminate the bye week for the best teams. It's kind of a handicapped game, but people wanted it for more of a chance to get their $ back.
Home of Average Smith, he will lead us back to mediocrity!!!