thats how it should work but for now sadly it doesnt. atm you need gold to get the updates. the easiest thing to do is download them from the post on these forums and use the usb drive its actually alot easier then it seems when you first read what to do.
hopefully this gets fixed soon though, i have to look for the article again but i remember someone posting from EA saying you should'nt have to have Gold to be able the rosters. it'd be a shame to do this usb thing all year