In the 0.4.1 release, it appears that fumbles and penalties have certainly increased. I have no problem with this - I agreed that they are meaningful parts of the game with attributes that should be accounted for.

What I'd like to see in relation is the role of Discipline and Avoid Fumble to increase. I have a RB with 100 Avoid Fumble that has fumbled 4 times in 7 games this season. https://private75.myfootballnow.com/player/3519. I rotate him regularly to keep him fresh and he hasn't been playing with any hand or arm injuries. I'd expect a RB with 100 Avoid Fumble to almost never fumble. The players that forced the fumbles have 42, 19, 24, and 57 Strip Ball ratings. There are other examples in other leagues I can certainly point to as well.

I've also witnessed players with high Discipline get numerous penalties, in particular offensive lineman getting holding penalties.

Again, I don't mind that penalties and fumbles occur, but if I choose, I should be able to prioritize players with the right attributes to minimize their affect. Right now, it doesn't seem to be possible.