having development on will add a fictional element.
is that what you want? no wrong answer here.
recalc wil cause them to 'develop' along th elines of what they did each year -- evened out based on potential peak or career average etc etc.. all those options are related. they will do as you expect.
guessing from what you explained, you don't want development on.. the recalc of ratings will do what you want over time.
if TCR isn't included in turning development off, you probably want to reduce that to 1 or 0 etc. (talent change randomness setting)
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