Currently, I consider projected ratings for budgets under $16M close to random numbers. It looks like Current Ratings, when they are done developing, will now frequently be off by as much as 20 points in any skill from the Projected number. 90% of the time time lower.
I haven't had a very high INT, COL, or HS budget since the update, so I can't tell you exactly what a bigger budget buys. Just what a smaller budget does not.