Well, you ask 10 different people and you get 10 different answers on this one here, man.

You're right, they all come with balanced skills, and then there is the game that allows a difference of 20 max between your highest and lowest skill set.

I don't care what everybody else does (until someone can tell me exactly what impact skill sets have on a player's performance), but I give my attackers +20 attack compared to the other 2, goalies the other way (+20 defense), defenders +10 phys/ment and +20 defense, AMs get +10 phys/ment and +15 attack, midfielders pretty balanced, but that's just me...