Well, I ran a few test leagues on my own because I realized I could answer my own question. It looks like that with projection disks, regardless of the setting, the CM is going to play the best hitters/fielders in every single game (5 guys played 162 games on both settings). The only difference seems to be pitching. On "use ratings" your top 5 starters, start every game; on "match" the starts are more dispersed over your 40 man roster. bummer.