@Khris
This is day 9 of my League.
I have 0 goals conceded so far and avg about 6-0.
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Those are the defenders I use most in the League games
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So the first two, Gonzalez and Prytz have better rates that Costacurta and Rikaard.
Does it mean that I must invest more to them ?
Hell no !

The other two are young, fast trainers, can have extra positions and good sa and gonna last more seasons.

Rates and stats of the game are overestimate.

There aren't "good" or "bad" players or form.
30% of the game is Luck, roll dice
30% is high quality good players
30% is watching and coaching
and 10% miscellaneous