thats why i keep it the same for both cpu and user.
ive adjusted individual players strength ratings with my rosters/ [o.s outsiders, nba2k generations 2!]. so that the post up guys can generally back down players when they have the physical advantage to do so. so that mismatches can be exploited.
i would suggest against raising users strength over CPU. it opens up other cans of worms. like the cpu doubling issue. and then the cpu is disadvantaged when trying to back you down.
well. i NEVER have clutch factor on....every nba2k series. one of the 1st things i do is switch clutch factor off. i dont see any positive reason for it being on. there is enough momentum, hot and cold streaks in games with it off. too many cans of worms with it on. i prefer my performance [or lack of] to dictate whether my team/players get on runs etc...and the same for the cpu.