The team's fine.
I think you might be putting too much focus/worry on "what ifs" and less on a good side/getting points.
"If xxxx gets injured or another player starts killing it, I've got ITB to jump on it". Yeah, but that's an 'if'.
Leaving out a premium might mean you have a couple of million for a possible future event. Meantime (and assuming said premiums outscore non premiums), you're getting less points. The game is about points not points/£m used?
If you WC, you really shouldn't need to make transfers one week on? So, you'll have two transfers which means dropping one premium/one other is easily manageable. If you're sensible ongoing, you can manage further changes through normal transfers.
Yes, there may be unexpected stuff but that happens anyway. Depends if you're a safe or gambling player
As Donald's Trump used to say ... Carpay Deeum.
(Edit. The management accepts no liability for decisions made by players).