You forgot to add draw manipulation, and by that if you have 5-6 good players for the next season plus the 2-3* players it means you will face easier opposition thus not needing 6* team every season.
At least for my new account at lvl 2 i only kept 1 good player and sold the rest at lvl 1, level 2 draw has been amazing, my final in cup is against 78% opposition, and in CL 79%, while i am 89%
I also have to add i m not active on that account.

this is my 2nd team if anyone is interested.
Also have to note that i took over my club in the last week of lvl 1 and i haven t been farming money or rests, just occasionaly.