5 million-only worry about offense and just try to outscore everyone. 5 mil is about 3 mil short to building a competent team so just focus on one side of the ball with what you have.

10 million- actually build a team. Focus on the LOS on both sides and offensive skill positions. After that, go after a decent secondary with what is left. If you can find a LB with what is left, then do it. Otherwise, insurance policy your starting QB with a good backup who has G5 starts under his belt.