Hard to say, I've had saves on versions before where I've struggled at first but I usually end up being successful eventually. When I'm in a rut it certainly doesn't impact my enjoyment of the game. Unfortunately now having 3 young children, as opposed to none when I went on my earlier mentioned trot around Europe, means that I don't get the time to plough through saves with 15-20 seasons like I used to hence why FM24 is almost upon us and I am only 3 and a bit seasons in....maybe the time I have between games gives me more time to think and plan and therefore deliver better results
If I was forced to make my own tactics from scratch then I'd probably stop playing as I don't have the patience for that, find it a rather dull aspect of the game (although I appreciate a very necessary one) and would probably lose all the time.