About the money less route
My team is 4 1/2 star, using mostly MTL Canadiens players. I bought a single Ultimate pack when I started with leftover MS Points.
The problem with the moneyless route is the contracts. You have to acquire all of them via Auction trades and most people are extremely stupid and bid more than what a contract is worth.
Let me explain how I price a contract:
22 players per game = 22 contracts used for every game played.
Let's say the average online games earns you 500 pucks (more when you win, less when you loose) for the sake of simplicity.
Your goal is to make money every game, but contracts are your expenses.
So obviously cannot pay more than 500 pucks for 22 contracts if you want a sustainable team, because salary expenses would be greater than HRR
.
Yet, some stupid people keep on bidding more than 100 pucks for a 6 game contract.
22 / 6 game contracts = 3.66 cards per game. So basically for each game you play, you need to buy between 3 and 4 six contracts cards.
500 / 3.66 = 136 pucks max per winning bid, in order to stay sustainable. Let's round that to 100 pucks because you can only bid 100 or 150 pucks, and 150 pucks would mean being in deficit.
[BTW, when paying 100 pucks for a 6 game contracts, your team expenses are 366 pucks per game (100 / 6 * 22) which means you'll only have a net profit of 133 pucks which is really not that good if you want to improve your team by bidding on cards : it would take you arround 75 games played to generate enough profits for a Max Pacioretty arround 10k pucks.]
Yet, 95% of the contracts that I bid on (usually 50 or 100) are outbid and end up being won by 150+ pucks bids.
So, basically, because of idiots (or card flippers), it takes forever to auction decent priced contracts. I always find some, but it takes 100 bids to get 5 decently priced contracts. So I end up doing more aunction than playing games.
All that being said, I do understand that a lot of people have a ****load of pucks because they sell cards that they obtained via packs, hence inflating the market price for contracts.