You gotta use Pat White. He is such a threat to run the ball, but he also can throw the ball somewhat accurately. I think he's got 87 speed, a very high rating for a quarterback, and Ronnie Brown (and Ricky Williams) in the backfield. Without Davone Bess you cannot throw the ball without A. dropping it or B. them immediately fumbling after the catch. I have found, when running a 2 or 3 WR set, that Cobbs, the HB, is a good #2 receiver. The only downside is that he is 5'8", but he has 85 catching, higher than all the Miami receivers, except Davone Bess. I would recommend using shorter throws if using Pat White, or if you enjoy chucking the ball, I would go with Pennington. Pat White is mobile, but Pennington is accurate and has good throw power. Hope this helped.
-BZ