Another option:
We lock playoff rosters going into the playoffs at week 14.
However you are allowed one player position WW move for a cost of $15 instead of the normal $5 move. That way your covered if a guy gets hurt and need someone or if you want to gamble, spend 3 times the cost and pickup a guy, the catch is you can only grab 1 QB, RB,WR,TE,K or D and once you used that position you are toast.
If a guy goes on IR after the freeze you are allowed to pickup a player at that specific position, ie RB for RB.