I suspect with just 2 transfer windows, it's gonna be a massacre every time you want to buy a player and in the end I doubt you will get one (unless you have many many tokens). Forming a team will be harder as well. But if the transfer window closes 1 week before the season's finale, then I assume it reduces the chance of some people getting into weaker cups, because you stop them from selling their team or buying 3* players (I don't think if someone goes for the treble or double will sell his squad till the last day, do you?). If they want, they can always stay in the same level as many times as they want with 1* 2* 3* squad, get into weaker cups and then reform their team, but then again if you stay in the same level, you don't get a place in the Champion's League, so they might get discouraged to do this anyway.