Let me guess, your Xbox is being repaired? If so, that sucks.
I havent played with the Panthers in a long time so I honestly cant say but when you look at Indy, they use more three WR sets than they do two TE sets and if they do use Clark and Utecht at the same time, Clark is usually lined up as the slot receiver.
The bear formation is a 4-3 formation. I want the 3-4 teams to just run the 3-4 base, 3-4 nickel and 3-4 dime formations plus goalline and prevent. I dont want to play a 3-4 team and see them run the 4-3 bear formation half the game. It's unrealistic especially after I just switched the team's depth chart from 4-3 to 3-4. For example, my 49ers run the 3-4 and while they will run the 4-3 at times, it's only because of injuries. Back in 2005, the 49ers didnt have the correct players to fit in the 3-4 scheme but they do now.
For 4-3 teams, bear is fine and I have no problem with it but some teams like the Titans run the "dime odd" formation which is basically the 3-4 base defense. Basically, I want the 3-4 teams to just run 3-4 formations and the 4-3 teams to run the 4-3 formations. To me, it would perfect every team because they run what they should be running according to their playbook.