How to Win Against Any Formation?

[July Fourth]

Hello! New player here, and I'm enjoying the game very much.

I'll be playing tomorrow against a classic 4-4-2 formation. I've noticed that his inside DC's aren't too strong (whereas his fullbacks are), his midfielders are pretty meh, and he has very good strikers.

Would this formation counter that?:

-------ST (up) ---
------AMC (up)---
----MC -- MC-----
DML ---DMC---DMR
----DC-DC-DC----- (all down)

Defensive style
Counter Attack
Passing through the middle
Pressing own half
Long passing
Zonal
Normal tackling

Also: do you get penalized for switching formations often? I find myself switching them in between almost every match (but not during), to counter the one my opponent brings to the pitch.

Thanks in advance.

3-5-2 should do the trick