bout time you got up to snuff on this..
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This is exactly what I've been experiencing as well...BUT I will say this,you have to be careful in how low you go with the hum pass reaction,as during my test time (post patch)...it still seems tied to run/pass ratios.
I had tested several instances with hum pass react @ 27,and while my coverage was nice,the cpu would not make any attempts to throw the ball...always run,run,pass. Then when I moved it up to 43,they passed on me like crazy,and mixed in some nice running plays...but the trade off I found was my defenders were to "loose" in their coverage.
So trying to find that "sweet" spot has been pretty elusive.