Problem is that I agree with what you've seen, but I also have plenty of occasions I could bring up which counter your points!
Especially point 1. All my players are 'loaded' (attackers have higher attack/physical, defenders have higher defence/physical) as far as they can go, a twenty point difference, yet I have a striker averages almost a goal and a half a game for the last 5 seasons and never has a rating of less than 8, and a good few others who are the same.

Point 2 is a good one. I usually play 2 or 3 strikers and if I haven't scored by half time I swap them around in the second half and they almost always score. Can't prove that it was my change that made the difference, but it's possible.

Point 3 is a good idea but I'm not convinced this game is intricate enough to have that kind of level of detail. I have noticed though that a player who is downright crap, scoring 4-4-5-4-5 etc usually has a miraculous change the next season and is suddenly ok, so there may well be something to it.