Well... UFM is a lot of fun.... daily dividends for holding... sweet! ... but:
a) potentially earning %1000s return (if you win the lotto)
b) I haven't done the actual math, but the "instant wins" from the @ufmlotto look like they're paying out a fair chunk.
... but you already knew all this ;-)
Other projects (for which I also haven't done the actual math, but "feel" right) are:
... and a quick shameless plug: @PlayDice has some really great returns for a 0 actual Steem expenditure/investment... but yes, you use up 4 to 5 (+/-85SP) votes per day ;-)
Nothing shameless about it and have to agree with everything you said.
Common denominator is everyone involved with the mentioned tokens are all active on upfundme. So probably the place to be 👍