I noticed it also effected the Kick off and punt returns for the CPU. And effected the punt blocking the user. With no names, I was able to return punts back for a TD sometimes with a good enough returner.
With names, the gunners get down the field super fast like they did in NCAA 11.
With out names, the CPU was able to return punts and kick offs back for TDs on me. With names, their blocking is non existent and the cpu have a hard time making it to the 30 yard line on kick offs and on Punt returns they get 3 yards now, my gunners get down the field so fast now I be right on top of them as soon as they catch the ball.
So as it stands, no names seem to give the better game play.