i picked michael irvin and what i did was this:
bought the 94 for 660k, and bought the remaining set pieces to build the 96 irvin ON TOP OF already having the 96 as a BND. bought the remaining pieces for 450k ish all up. cost me 1.2m to build him. sold for 1.2m (1.1m after tax)
received his 94 as a bnd for 100k for the power up. his 96 is BND anyway, so no need to have a 700k auctionable piece in his PU which will depreciate anyway!