Whenever I play in Div 1 as a 4 star team, I normally come up against 4.5 or even 5, rarely do I ever play a team rated the same or lower, It's even worse in cups when you know you will play a 4.5/5 star team every game...
Can't say I've ever had that problem, I'm almost always matched up with a similar star team. Not that this is perfect because teams like Anzhi clearly play better than 3.5, CSKA clearly better than 4. But I've never gone Blackburn and played Man City.

