I don't farm or pay. I earn some blue/red/green/money through friendly matches. I also observe player forms, especially for players who are in bad form and are arranged to sit out for a few matches. I play against weak teams. The match ratings of friendly matches can be a reference for player form but it is not exactly. Generally, I don't think the risk for injuries is much higher comparing with training. However, when the injury stream comes to my team, I will be more careful.