Your explanation, although looking correct, is infact wrong.Its the game engine that takes the most time and is the important part, the graphics follew in a generic way. Your images are infact a correct representation of
the gameengine and not infact the graphics. To highlight this i could change the color of both images with photoshop and they would then be "different" from the original. This is infact what the graphics work is about. Event though they differ greatly as a 'engine' the work to change the colors in each one takes the same amount of time. What this means is that to make all the kits they dont need to draw the shirt, short and socks from the ground up each time, they just adjust the colour and add the crests/logo's etc (which for the most part they will already have anyway). Stadiums are a different matter as they are all individual 3d elements, however they will already have the base files (in 3ds max or another industry 3d program) for all the stadiums so they could adjust them. However they will likely be of a high quality and be downgraded for the actual game versions anyway, so again this could be little extra work.
So then it comes down to databasework, adding the stats for all the players in all the leagues. Now i dont know how accurate they are/were in the currentgen games, but i assume not very so again they can get away with doing the minimum and let the consumer edit this part to there own desire.
Simple fact is they can make a lot of money by doing half a job, something konami has also showed excellent skills in!