I don't do much work on the women's side so best that I son't share any opinions as they would probably completely wrong lol.
Champ Men:
Winners -
Keysborough: Not expected to be this good given roster
Bellarine: Since they got out of the relegation zone from last year. They got a much better import which helps.
Losers -
Western Port: Still just a terrible team with apparently lots of internal issues.
Camberwell: They just keep getting worse.
Sunbury: While doing better than expected they have gotten a lot worse, with 4 of their 5 starters leaving from the past 2 seasons. They are in a rebuilding phase in Champ which is not what you'd want.
Div 1 Men:
Winners -
RMIT: Got even better from last year even with all injuries throughout the season and look to be favourites to win.
Whittlesea: The second most dominant team, and given injuries have been impressive to come from div 2 and do what they've done.
Losers -
Warrnambool: A really young team this season, with Gynes retiring they got a lot worse and are set for relegation.
Warrandyte: Rumours are they have one of the most expensive rosters in Big V and they are going to finish bottom 3.
Bulleen: While making playoffs, They also spent a lot of money, while having some injuries, they haven't been able to put it together and were expected to be top 2 at the start of the year with RMIT.
Div 2 Men:
Winners -
Craigieburn: Massive roster improvement, considering they were towards the bottom last year they have killed it.
Surf Coast: Second most dominant team, improved and look very strong and dangerous heading into finals, I believe they beat Craigieburn in the head to head too.
Losers -
Collingwood: While their roster is always changing, they have to be a contender with the amount of talent they have, just hasn't come together for them.
Wallan: From being top 3 to bottom 2, not good at all.