I do not play offline at all any more, only online H2H so I discover the game exactly as EA as designed it with zero adjustments from myself and I can assure you the game has changed an extreme amount since the last patch. The problem is that EA assumed just as you do, that everyone can go in and tweak the sliders and settings to make the game play roughly the way they want it to.
I have exactly 190 games played online in Madden 20 and in the roughly 15 I've played since the last patch, the 15 that actually loaded anyway (*see below*), I've seen more non-QB fumbles than I had in the 175 games that preceded them. I also had my first, second and third game where I threw 5 INT in my entire life playing Madden, ironically I won 2 of the 3 games because my opponent threw 4 and 6 interceptions in those 2 games.
The number of tip drill INTs has skyrocketed, as has the number of INTs on balls that were dropped and sit on a pile of players until someone comes in to grab it. Hilariously, I actually "threw a TD pass" on a play like that. I threw the dig on shallow cross, it was caught then dropped as he was hit, the ball laid on a body and my shallow receiver ran up, picked it off the pile and scored.
The worst part about all the increased INTs is that coverage is actually far worse. Man is basically unplayable online unless you have monster corners or get a good enough press that your blitz gets home. I've had to completely change my defense online, that's how much the game has changed.
The bottom line is that there are far fewer incomplete passes than there were before. I'm seeing a ton of games where my opponent and I throw for 90%+ completion, with the only "incomplete" passes being INTs. It is either wide open or a pick, there is no middle ground any more.
By the way, I said see below above above the 15 games that actually loaded online because since this patch, I've had now 8 desync disconnects after the game loaded and 2 other games where the wrong defensive playbook was selected, because now online the defensive playbook automatically resets to Arizona, no matter what your preference is, any time you leave the screen. If you play a game, it changes. If you go back to the menu, it changes.
I don't know what, exactly, EA did with this patch but it is horrific and has made the game on the verge of unplayable in online H2H. Maybe offline it is different, but that means nothing to me.