In other words, I doubt anyone is explicitly penalized for submitting to PLoS Biology instead of Journal of Neuroscience. However, there is an implicit penalty for not submitting to Nature/Science/Cell.
[As an aside, I really hate the obsession with IF and all these other "quantitative" measures of research quality. They're all incredibly ad-hoc, someone easily game-able, and yet otherwise-smart people take them so seriously.]
Also, the concept of IF being a proxy for rigorous review and work quality is weak at best. Just read a few pages of http://retractionwatch.com/
Particularly for early career people, I suspect most of these "quantitative" measurements are basically reflecting where and wtih whom you worked.
They used to have this nice trick where you hired the son of your friend and your friend hired your son. But at least now there are some non-subjective requirements to be met before anyone can get admitted.
(Disclaimer: I used to work in this field at biomedcentral.com)
Competition for positions in academia has gotten so bad that it doesn't matter. Like Google rejecting perfectly good candidates just because they can, but in Academia even south central Kansastucky state university has enough excellent applicants that arbitrary metrics do more good than harm.
The higher the IF, the more likely it is the researcher trying to do something 'hard' and the more people will scrutinise the results. These two factors alone will lead to more retractions.
Someone publishing something completely uninteresting in a journal no one reads will never be in a position to have to retract their paper, no matter how flawed, because no one will notice and no one will care.
Not to mention the opportunity cost associated with OA fees, which can add up if you're talking about lab startup.