First I play on AllPro to avoid ratings boost which confuse things further.
CPU:
QB ACC: 32 (If WR Drops and CB DEFL are accurate it doesn't need to be so low)
WR Catch 43 (somewhere between 41 and 45)
HUMAN:
Pass coverage: 5 (lots of bad coverage but the AI needs help)
Pass Def Reaction Time: 30
For what to set against yourself that depends on your skill so I don't really make many recs there but you need WR catch around 33 for Human players to actually drop it (not sure why?). As someone else noted your combination of QB ACC and WR catch interact because bad passes are harder to catch.