I have an account level two as you are saying & in my first season I won the league & the cup while in second season I secured my second league & am playing the CL final.
Point is you can still have a lot of fun with a 35/season team & win.
In our league the extra would be beating ppl you know & earning the right to brag.
We might start facing problems in season 6 or 7 with outsiders having more token but hey , thats 7 months of having fun so no complain.