Not sure if the Pros of such a finish outweigh the Cons

a 5/6/7 finish would Get you promoted and give you access to better players (spend Money and Tokens), put you most likely in a tougher league with much better teams and almost guarantee that you don't make the CL two seasons in a row eventually leading to losing a league level, being far minus on Cash and roster full of aging / shiiiite players

but if you just stay below the line (some call it tanking), you lose the league level (happens anyway), dont lose player quality and have a much higher chance of a top 4 finish, making the CL the following season - where you can spend any saved tokens / cash to build a fresh team.

Something off in my understanding / logic?