I don't think this is right. I do believe the CPU uses this rating only.
Regardless, this is another great example of how EA has forgotten to explain how madden actually works. there is way too much confusion as to how ratings really determine outcomes, etc... this is why people think there is stuff like comeback AI and pre-scripted results.
obviously the manual has been a joke for years, but they should AT LEAST put together a comprehensive guide online to help their customers out.