That is not what I am talking about.
Example: Team A runs a 3-4 D by default via who their current real-life coach is and so does Team B except they run a 4-3. Yes, you can still change player schemes (yes they will stick in Online CCM). However, the selection of player schemes has different positions 3-4 vs. 4-3. Why is this important? Well if you wanted to be the current HC of your favorite team and change the philosophy move from 3-4 to 4-3 using the player schemes properly you cannot, because it appears what they have is the default philosophy (aka team scheme) which is hard-coded and can't be changed even if you make a coach and try that way.