No. I am 92 overall at the moment & i have only 11 upgrades left in those white caps. 6 upgrades = 1 overall. That means there isn't enough upgrades for 99. But my overall durability seems to be 99. Hope you understand what i mean, because my english is really bad.
You do need to hit a certain amount of your badge maxes at some point before you can continue progressing your Overall but the game will tell you when you reach that level.
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__________________ how could I lose? im playing by my own rules..