FF does take some skill, but it is still mostly luck. Congrats on making it to the finals 3 years in a row, but the reason this happened is either:
a) statistical anomaly
b) playing against retards
It's not b, they all take it pretty seriously and are actively involved.
Regarding statistics, my team made the most moves of all teams with 30. A lot of those moves were based on news, injury, hedging on possibilities so that's where the skill part came in. My team only has 5 of the people I originally drafted. I agree there's a good amount of luck involved. But the only reason I am in the finals/playoffs was because of big moves in players and picking them up off waiver by outbidding everybody else.
The easiest example I can think of is picking up TY hilton early in the season because I'm a Colts fan and have seen what he can do, crazy fast. He's been money.