250k bets is a lot, so I get why you wanted a fresh seed. But after only 100 bets it's impossible to tell if it's actually better or worse. I'd just stick with it for a while and see how it goes.
I'll say Julián Álvarez. He seems more likely to get on the end of an early chance than anyone else. Who are you guys backing, Morata or Julián?
For the Final
My favorites are Limbo and Dice. They're fast, easy to understand, and perfect if you don't want to spend too much time on one game. Just remember to set a budget before you start.
It's hard to choose just one because every position demands different qualities. But if we're talking about an all-around player, I'd go with Rodri or Bellingham. Both contribute in attack and defense, have excellent vision, and rarely disappear in important games.
I definitely wouldn't gamble my entire monthly salary. It's fun to play, but once your bills and daily expenses are on the line, the pressure can make you chase losses even more. I'd rather set aside a small entertainment budget and stick to it.