How often do you play and for how long?
I only started FIFA 20 around a month or so ago; first Fifa since 17 I think, and the Ultimate Team landscape is very different to what it is now, even in that relatively short amount of time. Before 17 I played FIFA and Ultimate Team Religiously.
At the moment with 20 I play the Weekend League till I get to 17 wins, and usually just give the remaining games out as free wins to folk. I only usually play around 6/7 games on Weekend League over 3 days.
In Rivals, I usually play until my "Rank Score" is about 27000, just to secure the Rank 1 rewards. I do this by playing maybe...1 hour or so each day until Weekend League starts up again?