Ok, I'm no expert but...
Completely changing formations was a real no-no in previous versions of the game, in my experience. Except for the AI of course, which could and did change to 4-2-4 when behind at the end of a match to snatch a draw.
But with FM08 I have been having good results with Loversleaper's system of tactics (see elsewhere in this forum), and now you can make some changes within a set of tactics to real effect. Still keeps pretty much with a given formation (4-4-2 or 4-1-4-1, say), but with real tactical changes that make a difference.
YMMV
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