This train of thought reminds me of a parable about a guy who prays to god for help during a flood. People come to rescue the man via boat, life raft, and helicopter, and the man turns them all away saying he believes god will save him. The man drowns in the flood, and when he gets to heaven he asks god why he didn't answer the man's prayers, and god say's "are you kidding me, I sent you a boat, a liferaft, and a helicopter!"
If you can make the playoffs, just get in and go for the ride! Otherwise you're saying that the only time it's worth making the playoffs is when you're a top 4 team in the league, and that may not happen in my lifetime.
I also think a lot of the top teams, because they ride stars so hard, are the most prone to decimating injuries, which can always even up a playoff series quickly.