It's all up in the air for me. I just played as CLE vs. MIA (CPU) and McCown was 17-18 in the first half and I was up 17-0 in the first half. This is at All-Pro default. I never had an issue with CPU QB because they had errant throws previous but the Human QB has always been accurate and still is right now.
I also don;t like the fact that I'm dominating All-Pro level and this is the level that is supposed to represent the player ratings accurately.
I still feel like Coaching Schemes afect AI playcalling but I need to further investigate