[QuantaCondor]

The average/median team cost in the Perfect League (as of a week ago) is 5.96M/6.27M. The average/median playoff team costs 7.28M/7.25M. At this stage in the game, the most I can see a purely F2P team costing is like 2-3M if they got outstandingly lucky and/or have been working collections and the economy. If you're below that threshold, I would caution against assuming that team has spent money. If you're above... you're probably a whale.

EDIT: At levels below diamond, I don't think the main division is "money or no money". I think it's "did you do the live missions or not?". At diamond maybe you get 3 tiers: (1) actual big spenders, (2) F2Ps and tiny spenders who have gotten lucky and/or worked tourneys, collections, AH, something to generate more PP and (3) the SE-only teams who float in and out of diamond and gold. I don't have a perfect sense as to the distribution of all of those, but I expect 3 outnumbers 2 outnumbers 1 by pretty big margins each time.