Stephen >>
thursday january 21 - 23:12 @Mike - that's not ideal, but he can still be a strong player even with the potential handicap of modest. It'll be a bonus until he is one of the three strongest players in star value and that's going to be over ten seasons away.
It should also be possible with some sensible planning to have three other players who have a higher star value. Defenders with tactics and blocking, for example, so it might not be all that difficult to avoid the penalty, after all? Probably around the time he is getting good, you just need to be super-ambitious with your club!
Whatever you do with him, 'loyal' will mean you're not crippled by wages. Just make sure almost all of his training goes into main skill only in an effort to keep a lid on his star value.