My only comment after further reflection is that far too much advantage is given to teams that field less-than-5 player teams in league and/or cup matches. The simple fact is that if you elect to do this (or forget to set your defaults properly) then your fifth player should be Atrocious in all stats, and you should get a penalty - especially in the second half - for lack of rest.
For an incomplete squad to be able to take full advantage of all bonuses (CT, enthusiasm, HCA, etc) without suffering negatives, and for an incomplete squad to be able to get a 'lucky fan' with any skill whatsoever, degrades the quality of this game engine.