Here is my honest opinion...and I am not knocking you for your opinion but overall really doesnt mean as much as you seem to think. Its how you use a player in your lineup and what they are good at doing. I say this because I used to be the same way.
I would seek out the highest rated bronze, silver, golds, etc....but once I really understood how the game works rarely do I use the highest rated players.
Its a big difference when playing the CPU than a live opponent. For the CPU, yes ratings matter because a lot of time we dont play with as much strategy, but just to get a win.
Example: I used to think I couldnt live without Gobert in a bronze lineup but in the end I stopped using him completely. If you need a player who can rebound and block some shots he is ok, but I prefer guys like Hayes who is a better hustler, post defender, and much stronger with better stamina. To go even further, I prefer Joel Anthony who is rated much lower but his strengths work better for me than just having Gobert simply because he is 5 points higher overall.
You cant just look at the rebound ratings and say this guy is gonna get you x-amount of boards everytime...it doesnt work like that. a guy with a lower rebound rating could consistently get more boards due to his strength and hustle. Likewise with a guy who may have slightly better defensive ratings than another guy....like Xavier Henry over Nick Johnson. Johnson ends up being the better defender for me because of his overall athleticism and quickness. Dont forget about shot contest either when factoring in defense.
Yet Henry has the higher rating overall and badges to boot.
This is where strategy comes to play and how you fit players on to your team. Johnson can not score like Henry but I dont need him to. I just need him for what I need him for.
In 2k15 some players had high ovr because of their offense, but some were horrible defensively. Guys are baffled at how they get these players with high ovr ratings and be getting smoked. Mashburn is one of the highest rated silvers out there with 83 rating because he can do so much on offense, but I stopped using him after a while because defensively he is one of the worst silvers with a rating above 75.