If you're just getting started with UT, and planning on playing through the single player modes to build a decent coin total (like i've been doing) then I cant recommend the team i'm about to share enough. I've been using it when playing on Ultimate difficulty, and more than stands up to the challenge. For less than 20k to put together, you really cant go wrong.
I managed to progress through to division 5/4 using players from starter/loyalty packs and loan players pretty easy.
From 4 onwards I decided a little more thought needed to go into the team/squad I would be using, so set about looking at cheap, but decent, options.
I settled on a Brazilian squad, because lets face it, who doesnt like using them. This will also serve as a great trip down memory lane for lovers of Brasilvers in fifa games long gone.
My formation of choice was 4-2-3-1, which I feel provides a fantastic balance on this game when playing against the computer.
One of the better goalkeepers I have used on 16. Has come to my rescue on quite a few occasions.
Good command of area, and an excellent shot stopper. Well worth the discard price.
Bombs up and down the left flank all game. Solid in the tackle and just as good going forward. Price - 350 coins. Wont get a better left back on this game at that price.
Two rocks at the heart of the defence. Rarely out muscled. Combined fee of 1600 coins.
Not as quick as he once was, but his experience means he is more than capable on this game. Paid a little more than discard for him, just over 1k. Perfect for this team, though, so worth that little extra.
I've been pleasantly surprised at how good this pairing is. Just like the centre back partnership, they are solid. Often find Willians getting forward into goal scoring positions. Combined fee of 1000 coins.
Right Side Attacking Midfielder
Tricky little player with pace. Perfect for getting in behind and causing havoc. Discard price.
Left Side Attacking Midfielder
Same as Marlos, but on the left. Works perfectly with Azevedo.
Centre Attacking Mid
Kaka, the legend. Provides the through balls and calmness in the final third. 750 coins.
Easily the best striker I have used on 16 so far. Bit of pace, strength for hold up play, agility etc. This man plays the one up top role to perfection. At a little over 1k, cant really go wrong.
All four combined will set you back around 2k. More than good enough to step in when you have injuries/suspensions to the back four.
Both at discard price. Neither are as good as Willians and Allan, but more than capable of doing a job.
Very good impact subs, to replace a tiring Marlos or Barnard.
If I didnt have Kaka, then this man would be starting.
Decent back up option for Pato.
So there you have it, an extremely cheap team capable of beating the CPU on ultimate difficulty.
I'm enjoying using it so much that i'm tempted to go online with it once I've completed the single player seasons mode.
If you decide to go with it, please let me know. Good luck