I'm still pleading the 5th on this. I wouldn't blitz if I had more Cover 5 plays that used the LBs in meaningful ways other than blitzing.
Also, while we're just griping this out, can we do away with Coach centered playbooks? Let me have access to all of the plays and create my own playbook. It's a bit of game flavor that is more obnoxious than fun. If I want to switch playbooks, I'm going to lose all of my play knowledge when I fire the coach.
The penalty doesn't get applied if you have balanced playcalling.
If you blitz 85% of the time, yes.
I blitz pretty consistently, as it's the only way to stop the run. Yet ironically since the overuse penalty has been implemented in L75 I've only ever been hit by it on defense for my non-blitzes. As Seth mentioned, there simply aren't enough plays that provide a minimum of 5 players in man coverage that aren't blitzes. So whenever I've made an attempt to move away from blitzing I've gotten penalized for it. As a consequence I actually blitz more now than I did before the patch, just to try and avoid these overuse maluses.