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FYI, 65/20/10/5 is only the Default for the MLB Quickstart.
The default for fictional leagues is 30/50/15/5.
The MLB Quickstart adjusted to its' current default in an effort to combat the AI from making too many changes immediately after the game starts (i.e. to try to force them to place real life players into their expected real life useage). There is otherwise a lot of complaining about the moves that are made at the beginning of a new MLB Quickstart game.
I don't like 30/50/15/5 much either though as I think it overreacts to one good (or bad) season. I like 35/35/20/10 specifically because it will allow some players to stick around a little longer based on reputation, but also put young guys into the lineup whose ratings have them ready. I think it is a really realistic AI balance, but as PSUColonel mentioned, realistic doesn't necessarily mean challenging for the User depending on what information you have.
As I said, I mostly go God mode these days and just love to watch the world develop. However, when I am running a team I will also hide the Current Ratings (Other Ratings & Potential Ratings 2-8) so that I'm not getting that advantage on the AI and am also mostly going by the player stats.
If you want to play with Current Ratings or the 1-100 and/or 20-80 ratings scales...I definitely agree a higher Ratings weight is better to help out the AI.
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