If you're basing this off-of the Chefs game, realize that the Chefs will be drafting first overall next year. They have a couple good players in Larry Johnson and Tony Gonzalez, and some promising guys in Glenn Dorsey and Brandon Albert (neither of whom has shown much so far, although in Albert's case, it's because he's been injured all of pre-season), but they have little else.
That being said, the Fins should be improved over last year. To the tune of 5-11. If Pennington goes down, the season is over.