Well a lot of it will depend on tactics that you choose, as players tend to play towards the coaches game-plan, even if it doesn't suit them personally. As for being smart enough to use their skills, I think players with more experience play to their strengths and make smarter plays more often. Much like in real basketball, your players have to be cohesive and work together, so you need to build a team that works well together, otherwise there will be players who don't play to their strengths for the benefit of the team overall.
Murray/Harris/MPJ/Grant/Jokic - 2020 NBA Champs