Very true. The leveling XP system as a means to simulate player development is a narrow concept and just a disaster. The stats curve for passing completion/yards in simmed games is laughable with like a third of the league hitting under 40% completions. Obviously passing stats aren't the only problem either.
I'll harp on my most hated visual aspect of last year's gen 4 offering; the damned "living worlds" where the crowd/sideline media/camera guys are wearing shorts and t-shirts in the cold. I haven't seen any evidence this is fixed yet.