You don't need a lot of huge players to survive in IV, though, in the USA. You do need to have enough money to get some decent veterans at the non-training positions, though.
Yes, that's the problem - non training positions. Those who are training outside players can get big men for cheap. Those who train big men though...good outside players are quite expensive for a D.IV team. Especially because if you are training outside players, you need two inside ones. However if you train inside players, you need three outside ones...unless you put a PF on SF position.