You're right - 40 games a weekend is absolutely not with a red Snodgrass and the other shit you almost always get.

I played FUT Champs every month from December in FIFA 17 and only got 2-3 players I actually used from monthlies. But none of them were so expensive that I couldn't have just gone and bought them off the market anyway.

The only month where I got monthlies I felt genuinely rewarded my effort was during TOTS. Right now I have a few packs saved for TOTY and, as soon as that is over, I am just going to save packs and coins for TOTS. I know that I can get 25-30 wins in FUT Champs just with a decent/meta NIF Gold team, so why would I bother now grinding and grinding to get monthly reward players that will not be in my team and the end of the season, if ever?

I'm just going to play my 4 SB games Mon-Fri to hit Elite 2, knock out 11-18 wins in WL, let the rewards stack up and then play properly during TOTS.