Yeah I can see how this scenario and its options are much more limited at 20-20.I picked early January because by late January you are already locked in to some degree. This not meant to be a realistic scenario.
Personally only option that is off the table for me at that point is the "unethical tank" path. I dont think you can start that early January at 15-15 and not expect the league to get absolutely furious especially with media drooling for news that are related to result manipulation and therefore can be tied to gambling.
But I dont really have a clear preference of the other options. They all cost assets in one way or the other as you cant force early trades and try to win them. If I had to spend assets though, I would first explore the OKCpath.