Attributes vs player OVR vs team OVR

I’m trying to figure out which one is more important. The game has to have some method of deciding which team and which players yo give the advantage to. Obviously players who pay money get the most advantage automatically just to force others to pay. But aside from that, which is the next most important aspect?

When adding players to my lineup, many times I have players who have been trained, so their attributes are higher, but a player with a higher OVR will be recommended by auto build instead.

Sometime I play with those higher OVR players because I do notice that the team OVR makes the whole team faster and better at passing. It’s stupid in my opinion.

What do you guys think, and hat has been your experience with this?