I agree with your play style 100% ! Been playing like this for years !
Our sliders are alot different though...
I take into account that the Varsity setting already increases the Human and decreases the Cpu ratings right from the start.
Basically if all settings are stock 50/50...the Human has hidden plus's, and the CPU has hidden minus's.
To account for that right off the top, I make my base starting settings 40 Human / 60 Cpu.
No Human setting will go over 40, and no Cpu setting will go under 60.
I too play 8 minutes qtrs.....but I super sim the 3rd qtr of every game !
This gets my Oline some pancakes, and really balances out the game stats IMO.
Now getting a close 14-9 game is cool, but a game of Louisville vs USF should be more like 34-28