Well even division 10 is full of people with 80+ rated teams. Personally don't see the challenge in starting divison ten with such a team. Just ruins it really.
Your team rating has very little to do with it, it's the way people play, I've played silver teams, 79 rated gold non rare teams and been hammered simply because they master the really effective mechanics of fifa, KSI kick off lob goal, ultra sweaty passing where it takes them 10 mins to set up just a chance because they really don't want you to touch the ball, score once pass it around defense/keeper, constant cross abuse seems to be back again in the higher divisions, lobbed through balls to striker combo's who are nearly impossible to defend against. I have nothing against people playing the game how they like but Division 1 isn't for me after experiencing it, I'd rather not play at all than have to play through that.
Only in the final of the tournaments do I ever meet a really sweaty player.