Just a brain fart of a question...

So, how exactly does attendance affect a team ? Does a high home attendance generate any monies ? If it is not important, then why would you spend credits in having a 70k-85k+ capacity stadium ?

Is it just fluff ?

Yes, it's just cosmetic. You're spending credits to rename the stadium, but all stadium attendance logic is done on a percentage basis.

Remember, there is and never will be any competitive advantage to those who have purchased credits.