I appreciate the information. This pretty much confirmed what I was thinking, although I did think Handling would have been more of a factor.
I think my OF is plenty fine for D-4, but I'm in good position to promote and want to think about where to focus upgrades. Big guys who can pass seem to cost quite a lot more, and while mine aren't at 1 or 2, if you want a PF with at least 7-8 Passing you definitely pay a premium.
Is there a "target" range for being competitive in D-3 in USA?