You can adjust the settings, I'm just our here rawdogging it with the default which I think is 30.
Honestly though I'm in for it. I made the playoffs in like year 2 last year with Texas State. Bring on the difficulty.
Also, dynasty and bringing in recruits in the portal can be super helpful. Brought in Ty Anthony Smith from Texas as a sophomore transfer two star who was like a 70 with star dev...dude had 46 points to spend after one year and got up to a mid 80s after I spent them. Now, he may (probably) leave next year too but can hold out hope!
Also if doing a dynasty don't change positions for anyone right now. It's completely broken at the moment...the goal was to stop you from taking a RB, flipping him to DE and in a year having him be incredibly good the next season. But it's broken and drastically impacts skill caps after moving them, like 2 caps to 17 in some cases I saw on YT...even if flipping from say LG to RG. Just make changes in depth chart not in position change option. Nobody is sure if that's an issue with freshmen only or not but why chance nuking someone over it.