GK in real life and in game can get both. Attacker coming in 1 on 1, GK slide tackles with both feet, gets knee to chest as attacker falls on him. Injury, card. I saw direct red card leading to penalty kick just last week.

I only need to keep 1 GK, many others do as well. Matches don't stop to wait for substitutions, but if you're subbing in a defender to the net, things won't be looking up anyways.