Yes, it's not financially good to invest this heavy. But it's the only option in my case, first because I'm in a micronation, so I can afford it, second because I'm in a micronation, so my country need the draftees. Other people usually destroy good draftees they find. You can find an example on the transfer list now.
Also, I don't see many alternatives to the two ways of scouting I proposed. Draft is a lottery, and I feel investing less points per draft would be a waste. If I was in the lower leagues, I would probably invest 140k per season, then scout every second season with the same tactics I'm using now.
If you can propose alternatives, I'm happy to hear.