This is what I'm using.
All-American
7 minute quarters.
HUM/CPU
QB Accuracy 30/5
Pass Blocking 50/50
WR Catching 50/50
RB Ability 50/55
Run Blocking 50/55
Pass Coverage 50/50
Pass Rush 50/50
INT 15 / 15
Rush Defense 5/50
Tackling 50/50
FG Power 10/10
FG Accuracy 25/45
Punt Power 40 / 40
Punt Accuracy 25/45
KO Power 55/55
Penalty sliders:
Offsides 100
False Start 100
Holding 50
Facemask 55
OPI 100
DPI 100
KR/
PR Interference 70
Clipping 55
Intentional Grounding 70
Roughing the Passer 65
Roughing the Kicker 70
Are they perfect, probably not, and probably a bunch of people will find them too easy I'm sure. But it's the only set that I used that could get me a fun time playing. I started off J-Unit40's set and grew from there. Like I said, they fit my playstyle, but your mileage may vary.