Players definitely make a difference. I used that PIM Maradona loan card last night and he scored 22 goals in 5 games in D1. For reference, he replaced EOAE Aguero who isn't exactly horrific and in the next 5, he only managed 12.
Not forcing the ball to him either, he just kept glitching through players and has this weird left foot animation in winning the ball back even when tackled. The 5* skills also helped create more effective shooting positions/angles. I can only imagine how insane it must be using 3 full meta top tier 5* skillers upfront. TOTS Neymar, TOTY/S Mbappe and either of the two Ronaldo's etc.
That's also at this point in the game where nearly everyone has 99 pace defenders with chemstyles. Imagine using TOTY Mbappe back in January... or being lucky enough to have one of the top tier mid icons like Pele shortly after the game is released.