We went to this in PBE this season.  It definitely streamlined the process.  We did allow upgrades throughout the season which made it accessible to both rookies and experienced players who earn all season to afford the equipment.  What is the downside to allowing a custom transaction later in the season for the difference between what you paid and what the max coaching and just linking to that with the difference in TPE?

These seem like easy decisions when you have multiple jobs in the league and money is of no concern.  The rest of us stiffs have to write more than I ever did in school to earn the cash.