nothing is simple. i am no good at math, but purchasing a level 5 is something of a choice ranging between a ton of cash for a low salary to paying a small amount of cash for one with a high salary. to make a rational decision, you need to look at total costs over the life of the trainer's career with you. low salary of course is good, but it depletes the ole' bank account; high salary is possibly unavoidable is you find yourself looking for any loose change your customers may have left on the floor after a game. from what i remember in div. IV, money for a level 5 trainer was sort of tight -- you may be handling your affairs better than i did -- so you may also want to factor in that such a trainer means you will not be using the transfer list for a while, that you will training your future players, not buying them.