Advice on Settings

I fiddled around with Draft Day 20 but never had any time to devote to it, but have just got Draft Day 21 and want to give it a real go. There are loads of settings that you can change and was looking for some advice on what might be good changes to make. At the moment I have it on default, but reading around I know that some experienced players do change them.
The settings I am most interested in are the Financial ones - Salary Cap, Exceed cap, Drop penalty, Force Strict cap, max contracts, contract amounts etc. My goal would be to make it as realistic as I can for myself without making problems for the AI, as I am playing solo. For example, I saw a recent post by Peterk1 where he had changed the contract amounts which seemed a good change (viewtopic.php?f=325&t=33269#p226431). I have put in a drop penalty of 5% and force strict cap but am now wondering if that was a mistake i.e. will have some negative impact on AI teams.
Also, I was wondering about the Custom overall settings - does changing these impact the AI badly, or does it just impact the overall rating for you, the player? Not figuring on changing them, as definitely don't have enough knowledge to so intelligently, and I presume they are set pretty well in figuring importance of the ratings for positions, given they are set by the developer. However, still interested in how others might set them.
Anyway, any advice would be fantastic!
The settings I am most interested in are the Financial ones - Salary Cap, Exceed cap, Drop penalty, Force Strict cap, max contracts, contract amounts etc. My goal would be to make it as realistic as I can for myself without making problems for the AI, as I am playing solo. For example, I saw a recent post by Peterk1 where he had changed the contract amounts which seemed a good change (viewtopic.php?f=325&t=33269#p226431). I have put in a drop penalty of 5% and force strict cap but am now wondering if that was a mistake i.e. will have some negative impact on AI teams.
Also, I was wondering about the Custom overall settings - does changing these impact the AI badly, or does it just impact the overall rating for you, the player? Not figuring on changing them, as definitely don't have enough knowledge to so intelligently, and I presume they are set pretty well in figuring importance of the ratings for positions, given they are set by the developer. However, still interested in how others might set them.
Anyway, any advice would be fantastic!