The Tactics versus builds question is a chicken and the egg type thing.
I'd say you've missed a couple factors as well:
15% RNG
35% Build Strength
30% Tactics (This is more so that bad tactics keep you from winning, where as "great" tactics can sometimes not work with the non-ideal build)
10% Depth Chart Management (Having the right player in the right place , ensuring equal rotation)
10% Chemistry (Though way more at the QB position)