Yes, I do this

. As the Union player with only army leaders with a strategic rating of 2 or less and almost no 1 or 2 star generals with a strategic rating higher than three, if you don't use all the resources available to you, you will have a really hard time.
There are practically no generals that start out low, like 3-2-1 and improve greatly to when they eventually get to be 3 star generals that you actually get a good army general out of them. And then you still have to pay all the darn NM and VP penalties for promoting them or giving them armies before Butler, Banks, McClellan, Sumner, Freemont, Halleck, Buell and co.
One other thing that I do, if I can get it organized, is after '61-10, when you can build divisions is to use a general with a relatively low seniority to build the division and have one or two generals with seniority just above the division commander's and one just below it in the same stack. That way, you have a much greater chance at having a stack with at least one general to lead the division. Example below in '3)'.
One strategic 3 gen had a 50% chance of activating. Two in one stack have 50% + (50% of 50%) = 75%, etc.
There is also a factor about the chance of a leader activating being modified by whether he was active in the previous turn. If he was active, then the chances are that he reactivates again in the next turn are increased. I think it adds 1 to the d6 activation-check die role, but I can't remember if it works the other way around if the general was inactive the previous turn. It sure often feels like it though
The major disadvantages of this are
1) you need a lot of generals to run one good division,
2) it doesn't help you if your division is stacked with a 3-1-1 2 star general with 1 or more other division (unless you break it out of that stack to attack alone),
3) if you have built a division, let's say, around Butterfield (Sen 53) and have French (Sen 54) as the helpers-help-general and Crittenden (Sen 26) and Prentiss (Sen 30) as the additional back-up generals and you go into battle with that stack with Crittenden or Prentiss active and get a really good results leading to promotions or increase in seniority or even experience points being handed out, Crittenden and Prentiss will usually be left out, because Butterfield is the division commander and was in combat but the other generals may not be deemed to have affected the battle,
4) it's a lot of micro-management, because you have to check all the generals in a stack each turn to see if you can do anything productive with the division.
It's lots of work to get around the 10% penalty for being under-commanded or the 35% penalty for being inactive.