Targaryen Dragons :
in some ways, particularly if they are backs, they're not since you have 260 training points in 6 catorgories you wouldn't normally put any in, so 260 x 6 is 1560 training points, divide that by 24 and that is 65 levels of wasted points, so your 260* player is effectively worth 195*, now no backs come with no forward training points already spent, so you have to do the same calculation with your other players to compare,
if they are a forward then its more accurate since a forward can always use all skills even if some aren't particularly necessary
Please tell me you see the flaws in your math. They not be as valuable as some think, but they aren't as worthless as your math says. Ultimately when you get a purchased player, either through cash or RP, you get a player that will always be maxed out at the attributes you want maxed out. And without the right strat they are worthless and even with good strat they can be beat by someone who has never spent a penny on the game.