With no doubt the 5/5 guy, if you look for a franchise-player. These few starting-skills don't matter
Your choice how to train him and how much salary your hypothetic all-time great will have, you can always stop training him.
Worst case for your 5/4 is, he is "only" perenial allstar. Enough for a good player, but no franchise-player
My 2 cents. Regards,
Ted
Manchmal ist man der Hund - manchmal der Baum.