I'll let someone else chime in on the previous games. I dabbled in the past with MyCareer, but I never dived in with both feet. Off the top of head, I really don't remember it being a "chore" to boost your player. Since, 2K14 a majority of my VC came from PNO. What I was earning in PNO versus spending must have been minimum, because I was always able to build a player that could be competitive.
I'm going to keep it 100%. NBA 2K18 is over the top with the VC transactions. I've been playing this game hard since early release, and my character is only at 63. To be fair, the VC glitch in PNO is killing me, because I'm not earning anything. Being a family man with a 10-month old and 40 Hour week job, it would be stretch for me to say that I can get to 80 before the end of October.
Being "competitive" really depends on your personal preference. From what I'm seeing, people just want to showboat, score 30 points (Pro-Am) a game, and dunk on every possession. If that's what you want to do, then you may want to pony up the money for VC. PERSONALLY, I just want to be effective and a presence on the court while making the right plays. With that mindset, I know my role and don't try to play above it. With a 63 rim-protecting/post-play center, I keep my opponent honest, but they're not abusing me in the post either. Having 6 points, 10 rebounds, 2 assists, 3 blocks, who knows how many boxouts/changed shots, and no turnovers at the end of a game doesn't bother me. I know my role.
Honestly, having low BBIQ teammates bother me more than playing people with "bought" characters. It's been my experience (thus far) that people really don't know how to use their bought characters to the fullest.
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