If I've learned anything from PTOOTP19 going forward into PTOOTP20 while managing two Indians themes teams stuck in gold, it's that.....
Don't turn a team into a theme team until you can afford to purchase the top 2 or 3 cards from your theme.....in my case a perfect Feller and Boudreau. If you prematurely create a theme team, you'll never earn enough points to advance into the perfect level unless you have the patience to not log in for months. Landing those perfect cards will just be a pipe dream to chase all season long. Hitting the lottery with pack openings is a crapshoot. Building a theme team around a superstar card is crucial.
The good news is we all have 12 months with OOTP20 so be patient if you can. Once you have enough capital to invest into a theme, do it!
Just my unwanted 2 cents