RATE AND FIX MY DREAM TEAM - Too much money on midfield bench?

[Just Clancy]

BACKS: Goddard, Gibbs, Gilbert, Connors, Otten, Heppell, Smith (Duigan, Watson, Puopolo)
MIDS: Swan, Boyd, Montagna, Bartel, Foley, Harris (Swallow, Polec, Hibberd)
RUCKS: Sandilands, Petrie (Z. Smith, R. Campbell)
FWDS: Chapman, Franklin, Didak, N. Riewoldt, Knights, Krakouer, Prestia (Mzungu, Richardson, I. Smith)

Cash left: $1, 300.

Ratings and fixes appreciated. Also, have i spent too much money on my midfield bench? I used to think my team was alright, now i'm not too sure though, lol. (Only second year of Dream Team.)

Thanks.

[Just Clancy]

I've changed a few things around, is this new team better?

BACKS: Goddard, Gibbs, Deledio, Broughton, Grimes, Otten, Heppell (Toy, Duigan, Puopolo)
MIDS: Swan, Boyd, Montagna, Bartel, Swallow, Harris (Mzungu, Hibberd, Irons)
RUCKS: Sandilands, Petrie (Z. Smith, R. Campbell)
FWDS: Chapman, Franklin, Sylvia, N. Riewoldt, Knights, Krakouer, Prestia (Richardson, Matera, I. Smith)

Also, why is everyone going with 5 premium backs?

[Ago97]

Chapman has too many problems and is going to miss round 1
and your rucks are too weak and will have a donut in round 1