It has been shown that if you input your MyPlayer ratings on a CAP, the OVR will be drastically different. Before the Pie Charts(can include the Pie Charts), most of these builds shouldn't go north of 85 OVR let alone 99 OVR. I get it for the competitive balance for online portion of mode. But, I always felt they should separate the modes. I'm sure most of the Park/Pro-Am players would avoid the offline MyCareer story aspect of the mode if they could. For someone like me who only plays the offline portion of MyCareer, the restrictions over the last 5 years, has been a turnoff.
I still doubt that we could copy and paste a current/HoF players OVR onto a My players ratings cap. I doubt I can copy a 95 OvR ratings onto my ratings cap. I still think there will be common restrictions. You still have to consider vitals and body. I doubt someone would be able max wingspan and still max 3pt. I do feel there needs to be restrictions for realism. But there needed to be more freedom for us to create our ideal player without heavy reliance on badges. As a offline player, I was tired of glorified role players grinding for badges.
There's obvious concern of OP build is a concern for online though. It is easy to see someone maxing out 3-4 ratings and physical ratings. But I like the possibility of creating that all around player. Or creating that specialized player. I don't play online so it's not a problem. There will always be possibility of OP buiilds, but I see unique builds and people finding out how to stop it.