I know you haven't changed them, I did cuz I was getting sick of my CBs and safeties dropping passes and so on. I've played three games with those settings and still haven't gotten one interception.
I don't know if it makes a difference, but I mainly control my DE's and LB's, only switch to DB's when the ball is in the air to ball hawk.
I'll test it again with a few different teams to see if the CPU passing regresses significantly and I'll implement a compromise in CCM. I'll let you know how it goes!
Edit: Just played a game against Tampa Bay. Josh Freeman went 11/16 with a couple of dropped balls by his receivers.
I have the user pass reaction at 45 and user interceptions at 35 right now. I didn't get any interceptions this game, but Freeman didn't throw any deep passes and most of his completions were to wide open receivers or on screen passes.
I think
PR at 45 and user ints at 30 will work fine, at least until I upgrade my secondary, but I'll keep testing.