Two Squads or One

[mcdoomer]

So this is a question for the more seasoned players. At level 3 I'm running with two squads of similar ability so I can rotate and not use rests when I've a busy schedule. I have noticed that a lot of high level players only have a 1st 11 and then a few 2 star players. Am I doing the wrong thing? Does this mean my squad will develop at half the pace of everyone else's because they're playing half the games?

The game is stupid and penalizes people with an efficient 22+ players squad.