Re: Tour card
Yes, excellent suggestion.
And also, regression of player skills as well, in Simulation Mode. This could be limited to affect only say the last (highest) 1/3 of each "skill area tree" and affect gold level ability of the different specialty shot types. You don't play well for a few consecutive tourneys, upper skill levels regress a bit. Hit a series of consecutive poor shots of a particular specialty type, and you lose gold level ability of that shot type and need to earn it back.
This would make it more challenging to keep your golfer at the highest overall ability levels and also simulate the hot and cold streaks PGA tour pros typically display.