I think that those ratings should have more of an impact on results . On the offensive side the correlation of low avoid fumbles seem to be quite accurate as only two 100 rated players are in the top 20 offenders. As for the defensive side , which should be a bit more random, the numbers are much closer to a 50/50 chance of who will get a FF.
Overall I see both , strip/ avoid fumble needing a slight boost in importance . IRL some guys just don't fumble.....while there is is a few on the defensive side who always seem to get that strip .