With all due respect, i would disagree with this premise that allowing us freedom is not balanced. The entire point you made here gets countered by the system you developed to support the "archtypes". If you have total freedom to build your caf which lets be honest its 2023 going into 2024, every game aims to give more options and freedoms these days, so im not sure why this one is going the other way with limitations, but a backend system that would help support these freedoms is what would prevent you from having overpowered Cafs in the first place.
So for example, if you provide me 100 caf points to build my caf how i want it, sure, i may want to replicate Hendo Bomb and put all my points into an overhand lvl 100, but then i would have no kicks, no takedowns, no defense, no chin, no cardio, no jabs, no bjj defense, the balance is there im good at 1 thing and bad at 20 others...Now if your system allows me to get 100 into almost everything, thats where an issue would arise, but again its based on your system to support something like this.
I personally dont understand what challenges you even speak of when it comes to this issue, because they are so simplistic...if you know a certain takedown or skillset move is very good or OP, then make it cost a lot of points to have it on your caf? or if you find out something is OP later on, you can balance it via a simple update... I dont really see an issue here aside from effort, for a 5th iteration of a game i feel like this should be a must...NBA 2k for example gives you the freedom to make your player however u want... if you want to be a 3 point god and suck at everything else you can...MLB the show does the same, they do however limit your pitcher from having a knuckle ball because its OP, see simple? why is this any different? One of the most if not THE most diverse sports in the world for some reason has to battle the developers to make sure that it can be? That's strange to me as a semi casual.
Again, i say this with no disrespect intended or ill will, you might have to have thick skin while reading sure, but i think allowing people to be creative is a positive not a negative, all the videos right now on youtube that are boosting the trends for your game are from career mode and people building their CAFs and customizing their move lists and their looks, im not sure how limiting this aspect which should be a strength for your game can ever be a bad thing especially if there is back end support behind it.