Agree with a lot of your stuff, but will agree to disagree with you on this. The only part I agree with is the warping of the 5ft 5 CB, otherwise, ratings do matter. at least in my CFM games ratings matter.
I think that is where the disparity lies, people are using different settings, traits, sliders ,etc... difficulty levels and announce, "ratings don't matter."
All I need to look at is for the OL/DL battles that go on in my CFM to tell whether ratings matter.
To say the barely matter is a false narrative in my opinion and I know I'm not the only one to share that opinion.