I really like the steps they have taken on the tactical front, though I feel like they are a couple of years late with it. But AI squad management is still an utter mess. Let's take a look at Bayern:
18/19 - net spend: €208m
S. Bender - €20m 3 starts across competitions first season, 3 starts second season, then sold for €10m in winter
A. Rüdiger - €33m 5 starts across competitions, 11 starts second season, then sold for €18m to Huddersfield - they bought those two despite still having Süle, Boateng, Hummels and Martinez in the squad and Kovac's two favourite formations being set to 4141 and 4231
L. Klostermann - €42m, 5 starts in his first season, 6 starts in his second season
H. Ziyech - €44m in Winter, 7 starts in his first season, 1 start in his second season, then loaned out in winter and subsequently sold for €24m
19/20 - net spend: €184m
G. Simeone - €30m + hefty addons 4 starts, loaned out next season
M. Reus - €78m + 20m variables, 25 starts first season, 3 starts in his second season, now leaving on a free, because they only gave their record signing a two year contract
O. Ntcham - €35m, 18 starts first season, 4 starts second season
M. Pjaca - €36m in winter, 7 starts, loaned out in his second season
C. Kramer - €15m, 3 starts in his first season, 0 minutes in his second
19/20: net spend: €165m
Richardlison: €75(96)m, 14 starts
Leaving aside that budgets are completely fecked up because they seem to be tuned for PL sugar daddy level spending (I'd guess Bayern never net spend €150m over a three season period, let alone in a single season, three times in a row). CPU Bayern managed to finish 4th, 2nd and now 6th with that City-esque spending.