I am Div 1 / 2 and I have the TOTY untradeable. Because I (mostly) had the fodder and FOMO, I had to get the FB. I don't have a large sample size of the FB, but know that there's other people like me out there who are dying to know if they should do the FB when they have the TOTY untradeable.
The TOTY is faster and more clinical and agile. I love banging in Power shots with him and I feel the QS+ makes him faster off the ball and I feel TOTY is faster overall. (583 Games, 723 Goals, 428 assists). The TOTY just feels like what a TOTY should be. He is a beast and I've been in love with him since I got him.
FB is really nice w/ the 5* WF and Finesse+. I am not 100% how I like the Rapid+ yet vs. QuickStep+ but he definitely doesn't feel as fast or agile as TOTY - The tradeoff is that I'm in a position to make more finesse shots due to these facts so it works in my favor there. I feel I did notice the 5* WF several times, I do miss 1 or 2 WF shots w/ the TOTY every now and then. (8 Games, 14 Goals, 3 Assists).
After playing both of them I can honestly say that if I had the TOTY untradeable I would not feel bad about not doing the FB. But I've already changed my playstyle to use his Powershot+ and since I changed to precision shooting I've actually been worse on aiming / making finesse shots. FB owners have a card that is just as good, with some other advantages the TOTY doesn't have so it's a win-win in my opinion.
Still not sure which card I'll be using in 30 days TBH. Have fun out there!