I think you both are being a too careful. Its not very difficult to keep up in Division 4, especially financially. My arena sells out just about every game, and my record isn't even great at all. I think, after tanking this season, I'll be able to get in D. III in just a few more seasons.
After Penny Packer leaves this season, I think you two will be able to compete for the championship. Buy some vets for a cheap price, and you'll both be out by the next three seasons.