Those "74" rated special silver cards annoy me, because the silver friendly tournaments are kind of like a self-perpetuating scenario whereby the people with the 'cheat' silver cards win the matches... and hence complete the objectives to win yet more cheat silvers, meanwhile it's a lot harder for the latecomers, who are already behind. So I've basically concluded that there's no point playing in that, I have two special silver cards but I will never catch-up with these guys. Basically the strategy must be to buy FIFA on release and do the silver cups from the start so you build up a good selection of elite silvers from the objectives. You literally can't catch-up otherwise because they hardly ever come as SBCs (I got Ashley Young), it's not like the other competitions where you can get good cards in packs, via SBCs etc, the Silver stuff is basically a closed shop at this stage, either you unlocked a bunch of special silver cards already, or you're dead in the water.
The 99 loan thing is interesting, getting a lot of flak on Reddit but I think it kind of makes sense. Realistically, these showdown cards are unlikely to play many games in your 'main' squad, so really they are there to be used for doing objectives where you need specific leagues or nationalities. And 98 matches (plus friendlies) should be plenty for that. People are saying "oh but you can't put the loan into future SBCs as fodder" - true, but the loan SBC costs less than the full card to begin with, so you could probably use the saving to buy a random fodder player if it came to that. Not to mention as a rule I don't like putting special cards into SBCs unless I have a higher rated card of the same player. Obviously I'd rather own the cards but I don't have enough fodder to do all these SBCs.