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The defaults are really not that bad. I do adjust mine a little bit. 1.1 on development speed and 0.9 on the aging. It's kind of tough to gauge because the game has changed a bit over the last decade or so. We are seeing prospects get called up a little younger.
For what it's worth I tested some much more aggressive settings and while you see different results, it's not game breaking. You won't magically see 40 year olds starting on every team. So I wouldn't be too concerned by getting the number perfect (if you're debating between 0.85 and 0.9 for instance).
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