So I was taking a nap while letting the
game just run
All the players started at all 12's except for determination, which was 20, with CA of 120, and PA of 200

Is now CA of 153, on team training of 10

CA of 169 on team training of 20 and has the highest rep in the
game and consistantly has the highest attributes of anyone that isnt a regen

not sure of the other factors involved, but it looks like it does make a difference, just not as big as anticipated, and it takes longer to come to notice than I though