I think that it is not so wasting of a time or money to train FT, because players doesn't want to raise their's wage for this kind of training and the affect to a game isn't so pitiful like you maybe think - I reached playoffs only by this way last season...
I plan to give my players as much FT as possible after a regular training (I think after 5 seasons or so), because they will be great because of this and will not want so much salary, but don't tell that to anybody, it's a secret;)