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It’s a matter of taste. The default isn’t far off but you may be a person who want faster develop to see more young stars or you might want to see vets not fall off a cliff so much. Just like with injuries. Default is fine but you may want a little more realism so you change it.
Up to .300 in either way should be good enough to not make anything drastic from the default.
Adjusting it over that number either way might result in drastic changes
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