1. 10 pts below but how about 11vs11? Quality difference may be just 5 or less.
2. Counter formation is not to be taken as a sure thing coz a minor adjustment to orders can make or break a formation.
yes never underestimate your opponent it may be just one low quality player in his sub team that keeps his ave quality low his starting 11 may be higher than yours ie an academy player he has not sold yet !!!!