Spending real money is optional. You can still compete, place, and win with a free (except for the cost of the game) team up to Diamond Level, but when you hit the Perfect Level, the bought teams will have a pronounced advantage (they did in OOTP 19; 20 may be different, but in BETA there was no way to tell). I had fun with a free team. Consider it a value-add to the standard OOTP game and you won't be disappointed.
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