I’m in game 12 and while I’ve battled wear and tear in every game of the season (my spread option QBs and HBs and always worn and torn as are my DL and LBs) but going into the final game against rival Kentucky (who has a more talented team) I have no one that starts the game worn and torn (although in my previous game my starting QB had to sit out the 1st half due to wear and tear).
I’m looking @ Kentucky’s depth chart and the following starters (whom the CPU won’t bench due to wear and tear like I would) begin the game with -10 to -20 penalties to key attributes:
LT, LG, C, RG, RT,
and these starters have roughly -5 to attributes:
HB, WR, TE
8/11 starters on defense are worn and torn with increased injury risk, but aren’t receiving penalties yet.
TLDR: Is it worth having wear and tear turned on if it makes your late season opponents much weaker than they should be? In my example above, I don’t see how Kentucky’s OL can behave as anything other than Swiss cheese.

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