In the few years I've played MUT, I've seen things creep upward earlier in the year. At these later days, I know what I'm doing, and I can push the envelope a bit. But I don't recall seeing 98 OVR lineups in December. After spending a couple hours building and selling GoM sets, I finally decided to go on a spree, and in the end this is what I have. The TL;DR version is:
60/60 49ers
30/30 Zero Chill
30/30 Ghosts of Madden
5/5 Crystal, releases One, Two, and Three
(It's liberating to have moved on from the Raiders.)
I don't expect Playoffs to have the juice that Zero Chill had this year, but it seems a certainty that we will be able to build 99 OVR lineups by Super Bowl, except maybe for the lack of a Kicker, Punter, and Long Snapper that can be boosted to 99 OVR.