Correct, that's exactly the question I'm asking. I'm a bit of a realism obsessive to be honest. I want the game to mirror as closely to real life as possible until I'm further in date than real life, if that makes sense?
So in my mind, if I start a game in March with the January update I would want to start with Chelsea in my case in June/July, have all the players come in for the summer window when they did in real life and then have them all join on January (if any were signed).
So I suppose my question to SI would be, will this be the case for the January window and is it possible to disable budgets for the January window like you can with the summer? If no then the real world for January won't be as good for me as you'd get all the players moving and then still have clubs buying/selling/loaning etc whoever they want in January!