After reading some of the posts in here over the last few days (and after a bit of a break from football games), I went back to it last night.
I see a little individuality, but what frustrates me is that you never seem to be able to disrupt the defensive line. If you play decent, passing football - or if you counter-attack - it's always 1 or 2 versus 4 (defenders). The AI defense literally never seems to make a positional or organisational mistake, and there's no slider for "intelligence" - you can force wing-backs up the pitch etc. but that's not fixing the issue.
I'm playing on Legendary, though, in the Premier League - what difficulty/platform/league are you guys playing with?
Think that's the problem with playing on anything apart from Professional mate. In the end I've gone back to that difficulty level, cause it's where the game shines the most in regards to playing styles, individuality etc. Had to play around with the sliders to make it more of a challenge but I'm happy enough now. My results are pretty realistic.