The strange thing is that I didn't feel that HFA was such a big deal in '05. It was a factor, but not the deciding factor.
I agree about the young players in this game. I play USF and Michigan in my dynasty. USF is young across the board and I had trouble on the road (just like in real life), but I was getting wiped out with Michigan (was behind 41-0 at the half at Wisconsin?!). I know Henne is young and so is Hart, but they've been in some battles too.