Career Modes are normally my lifeblood, and it's still the mode I probably play most in FIFA, but FIFA UT is probably the UT mode I play the most.
This year, FUT improved less than MUT did, but FUT was already well ahead of MUT on most accounts, and it remains the best UT mode in any game I've played.
Since my job involves designing monetization in games, and because I'm a dirty cheater, I spend money in one of my FIFA versions every year. Typically I'll run a fairly unscientific A/B test on myself throughout the year, using money on the Xbox version and spending nothing in PS4 FUT. The goal is to examine how money (or its absence) affects my success and enjoyment.
What I've found consistently is FUT is well-balanced, offering a good mix of rewards and challenge for free players and an easier road to the top if you spend money. Inputs other than money -- time, gameplay skill, auction house skill and experience -- can lead anyone with some combination of those traits to great success.
Experience is the forgotten one, since you can build a pretty sweet squad off of just loyalty packs and EASFC coin boosts.
One pro-tip: if you're thinking of playing FUT this year, log in to the FUT web app NOW. For the next week or so, expect to get a free pack or coins every day. In just 3 days of logging in, I've scored a few thousand coins worth of stuff from just showing up.
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