By lowering the Pass D reaction time(45), your basically going to get higher scoring games, w/ more yards, and still guaranteed ints(75) every other qtr. Thats not sim to me.
I see defenders dropping at least 2 or 3 ints per game. I like 0 and it doesn't guarantee a pick just b/c they go into a special catch animation. They are supposed to drop passes, thats why they play defense.
I belive PASS D reaction time= AWR, basically your dumbing down the secondary guys vs. 0 int slider, which you'll actually get a more realistic ratio for defensive guys dropping passes vs. catching them like Asante Samuel every game!