Your not totally wrong, and the reason for this is( in my humble opinion😊) twofold:
- Ratings doesn’t matter enough, it’s all about animations, will it trigger or not, so a god like LT with future hall of fame NFL skills will have a large amount of losing animations( like letting the other player rush by untouched) against inferior players simply because of chance, players like that should have different animations.
- Momentum engine, too much of the gameplay is based on momentum, shank a short kick in the first quarter or throw an interception and suddenly the rest of the game is an uphill battle. Reach the 99 overall team rating and win a couple of key games against your main rivals in dynasty and suddenly you become this unstoppable juggernaut that simply just can’t loose, in my dynasties I always find that the first 3-4 seasons are fun and challenging and then everything becomes too easy, sustaining success should be a lot harder.