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The most cost efficient way to build a team is with just LIVE cards. The game engine does not look at the type of card as far as I know.
The historical cards are more expensive because they are rarer. Also always look at the underlying ratings not just the OVR. Those are what matters and especially with historical cards it seems you can find players with insane underlying ratings where the OVR rating does not match up. These will be the really expensive ones.
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