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That leaves 40k in the bank for Nobbla or Driblesnot if you play against a bashy team.
Taking a SP initially helps out immensely - if you can get him to work properly for the team. Having Nobbla sent off before he starts the 'saw isn't going to help you win.
In general most other starting teams lack the punch to take out the SPs easily and their influence means you might actually win the game and have a good chance of picking up SPPs and avoiding serious injuries.