Don't know as you say, opinions are divided so you'll get differeing opinions again here.

I take the view that I'll try to use every possible advantage from the game functions so I use it.

Why not just take a logical approach. Look at your squad wage per day and give a bonus relevant to that and increase it for the big must win games. OR ignore it and never change it, then its irrelevant.

In other words, just decide for yourself.