OK I just created a 99 OVR Defensive end for the 49ers named Ivan Drago to see if I could make this work. Seems to work just fine. After creating him I saved the roster as "trial" then without loading any other roster I went straight to "Play Now". Just before kickoff I paused it to see if he was on my team, and even though he wasn't in my starting lineup, he was on my roster, and I was able to sub him in without an issue. If you don't load another roster, and are only playing offline, this should work for you.
You can then go into "Manage Rosters" under the customize tab and move your new player into the starting lineup on whatever team you assigned him to. Seemed to work flawless for me.