100% agree.
For me it's the drop in teammate AI when changing game modes and difficulties. I play Squad Battles on Professional and my players move themselves into good positions. I play on Legendary and I have to micromanage every run while avoiding tackles. Half the time the wrong player goes on a run.
I'm not sure what's going on with Division Rivals. I played against someone who also had Courtois. His GK was amazing, making reaction saves and catching finesse shots like an NFL wide receiver. My Courtois dipped his gloves in dish soap before the game.