I should probably explain the "luck" value.
The game uses a lot of "die rolling" to determine pass completion, interference, tackling, etc. The luck value only applies to receivers, and it's a modifier for the success of these rolls. If you try to tackle a receiver this value is read, if they shoulder a guy this value is read, etc. Oddly, it's the receiver's luck that's checked when the ball is passed to them, not the guy who threw it. So, as strange as it may seem, somebody trying to intercept the ball during a pass will be less successful if the guy you're passing it to is "lucky", despite how crummy the passer was.
I did have one question: is a player's first name ever used in-game? I haven't found a reference to it yet, and if it isn't used clearing those names out would double the number of possible additional teams from 15 to 32--almost doubling the number of teams. Granted it could be increased more with effort, but it's sort of a ludicris number to begin with.
The amount of data stored that isn't used is rather amusing really. Position numbers aren't used, there's a placeholder for a filelist ID for a face that hasn't been used since the original, one of the 3-letter names isn't used, as are the values for the linemen or defense outside of displaying them. Except for the special team value and difficulty factor, no team stats are used during gameplay; they're exclusively for generating simulate data.
In that regard, it turns out the game is remarkably fair despite the wildly different team values.
