To me, I don't care about the simulator, and have no real interest in how it works. When building teams made out of the best 100 players of the last 20 years, I don't expect that there will be many low usage players taken unless they were absolutely dominant at a particular skill.
To that end, I'm not going to read up on the formula, or try to game my team to pick players that will fit the model. My personal standard is, "what's the best team I can put together building around players I don't hate".