Totally agree.
I've always resisted that urge and never bought a player for more than 100k on the market, or for a salary higher than 7k. I think that's what lower league teams should do. When I promote to D3 it will be a struggle to stay there for a few seasons, but if I ever want to get to the top that's the only way I see fit.
Right now, players with high salaries are cheap to buy, and that's a result of people investing in training prospects for many season who failed to see that the demand was not going to stay high. Maybe there should be a warning when you're in division 4 and want to bid $ 1000 on a 80k salary player, but at the end of the day, new managers have to be smarter, too.
"Air is beautiful, yet you cannot see it. It's soft, yet you cannot touch it. Air is a little like my brain." - Jean-Claude Van Damme