I was bored and decided to make one with all the junk in my binder and was surprised that I ended up 88 OVR (88 Off / 88 Def). My main team is still the 50/50 Most Feared TT... weak spots all upgraded with flex players... and that's only 90 OVR (90 Off / 90 Def).
I don't think a +2 difference makes that much of a difference for most players... so I think EA has done a decent job in giving true NMS players a good base team... which of course they can upgrade key skill positions using coins they've earned.