Not that I have any say as I'm not an admin, but vumpler and I were discussing it while playing...
I have a problem (as I stated last season) with someone repeatedly going for it whenever they're ahead by any margin, or going for it when they're only behind a TD or less. 4th and inches, 1, or 2 is a much higher probability in Madden than in real football. Real football 4th down conversion rates (in situations where the game is not out of hand) is something like ~20% or less--ESPN the Magazine had an article about this last month. In Madden, it's the opposite; about 20% of the time you'll stop someone.
I propose something similar to Andokuky (sorry about those Broncos btw), but hopefully a little simpler.
1. If you're up by any points margin, you cannot go for it on 4th. period.
2. if you're tied, you can go for it on 4th and goal at the 5 or less, in the 4th quarter only.
3. if you're behind by 14 or more, and at your opponent's 40 yd line or less, you can go for it on 4th and 2 or less (as many times as the situation allows on that drive).
I think that makes it a bit more fair. Anytime above where you can't go for it on 4th you must punt or kick a FG if you're within range.
Speaking of range, what's the longest FG anyone has made in the league?