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I think the potential ratings are too unrealistic so I turn them off completely and set TCR to max 200 to make them unreliable for the AI as well. I set current ratings all to a 1 to 5 scale to resist the temptation to micro-manage the roster based on marginal rating differences. I also turn off scouting and just use OSA in order to level the playing field for the AI.
For AI ratings, I use 10/30/30/30, which is basically like the 25/25/25/25 that was persuasively argued in this forum but with even less emphasis on the base ratings once players get playing time.
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