Just because you predict higher team stats doesn't mean you will be better off, because these figures are independent of your opponent. You can have much better team ratings and still lose a match due to individual player match ups and other variables. Team ratings are explained in discussion thread here
(116609.1). Its a long thread, but I recommend reading the whole thing for a better understanding.
If you play a 2-3 zone defense against a motion offense, your overall stats may be increased due to rebounding etc., but you will leave your opponent with a lot of open shots on the outside. If you look in the FAQ, you will see that 2-3 is the worst defensive tactic to use against RnG or Motion
(144856.25). On the other hand, if your SF has poor OD you would probably be better off playing m2m than 3-2 because of the importance of match ups.