Yes its brutal.
The options are extremely limited. FoF or PFS and personally neither are that good. PFS is amatuerish which is about right the developer does it on side and he has been very busy so not much has come out lately. FoF looks like it should be run on MSDos and has some really poor AI that is game breaking imo.
If you are into college, Bowl Bound College Football by Greydog is by far the top football sim, but it is college. The mod packs are amazing and the game overall is incredibly deep.