It's not as simple as the sum of your entire collection, so the examples you gave shouldn't happen.
But that's exactly what happens. Or at least it looks that way. Before last update, when you reached a certain level, the rating was about stable: 1 battle won, 2 lost, 1 won, and so on - the average rating was constant, it reflected the current strength of your fighters / skills of the user. After the update, everything become different: the primary role in the selection of the oponent is the number and level of his characters. And here begins the oddities.
For example: I have 20+ diamonds - 4 max level, the rest are on average 50-40 level, 50+ gold max level, plus 60 copies for skill points mining. The rest: silver and bronze - not even considered. Total: 300+ fighters. Before the update, my opponents varied from "gold 1" to "diamond 3". Rarely "diamond 2", even more rarely "diamond 1". Right after update, apparently, the system believes that with so many fighters I "deserve the best" and my opponents consistently "diamond 1", rarely "diamond 2" (or is it just my luck?). They received these statuses before the update - this is quite an indicator. Let's forget the moment with a bunch of unsuccessful attempts to find the enemy, and the fact that judging by the level and quality of the attached catalysts, some also invested real money in it.
Yes, in most cases, they bases can be cleared - some nodes with two attempts, some with character deaths, etc. But this, naturally, does not help, my level is far from the level of picked up opponents. So, as a result, not a single in last season victory after the update and just a rating -70. The status of "cannon fodder" for more pumped players upsets me. The rift battle temporarily closed for me, the base disbanded.
Sorry for my "google translate" English.