I don't know I played a portion of a season with budgets on and simmed the rest of the season to see what the offseason would be like. I played as the brewers. At the end of the season, my team was almost completely depleated of all talent even the top minor leaguers because the team had no payroll room at all. I was deeply upset by this fact. I could sign about half of the players and the rest would then be released. I have no problem with this for the most part except for the fact that I had to let Ben Sheets, Geoff Jenkins, Lyle Overbay, Craig Counsel, Junior Spivey and others all leave because they were to expensive. Guess what I replaced them with. Players not even of Major league caliber. Minors were not quite ready and so what do you have, but a team headed very far south of the border. The majority of players did not even perform to their worth. I then simmed it again making sure I won the majority of my games and making the playoffs all the way up the the national league championship eventually losing. The roster salary bonus wasn't even enough to meet the demand of Ben Sheets and once again saw my team crumble. I was very upset.
I then simmed a season with budgets off. I was upset again at the ability to sign whoever you wanted.
Ultimatly I decided to play with budgets off because the realism behind the budgets I found to be deeply upsetting. I didn't understand how you could grow with a team and make them any better by losing the majority of your rosters year in and year out.