This is what exhibitions and non-con play is for - it takes some experimenting to find the right setting. I usually watch a player's FG% and fouls on the assumption that if he's getting too exhausted, his stats will fall. If I have doubts, I'll skim the play-by-play log and watch whether he really falls off late in the game.
If I have a couple of good players and my backups suck, there's no way I'm setting my starters to "fairly fresh". If they don't get 20-25 minutes minimum, I don't even have my usual forlorn hope of winning.