Dave,

I could not agree more.
I have a well-balanced team (just about ALL of my players between 93-105%). One or two Special Talents.
And I do my fair share of winning (though I pamper my team for 2-3 hours a day. I know: get a life)
Then i play an association game against a 98% team — sometimes WORSE than me in aggregate — but Absolutely unbeatable.
He will have 4 attackers players with 230-260 average offensive percentage or (often: AND) 2-3 defenders at same levels.with the whole team having one or two special talents.
I play ‘no striker’, 6-7 players back, and still lose 5-0.

Not a rhetorical question: where do these mutants come from!
And how much fun is it to beat a guy like me (who spends zero money, but spends time and effort)?
I could rampage through my 7 year old daughter’s squad, scoring at will. But why would I???