@djjd62,
For the past 6 or so NFL seasons we have played a game here where we pick the winners of games each week (straight up - no odds or points etc). We keep track of the 25 or so players' cumulative W-L record. In addition to us, I follow how the best and worst ESPN experts do as well as, this year, my new friend CoinToss CoinToss.
The best ESPN guy ended the season in something like 4th place while the worst was in about 20th. I didn't keep track of CT/CT because he/she joined us mid-season.