How about minor injuries (hamstring pull, bulging disc, broken finger, back strain) that are serious enough to require lost playing time but that result in no long-term ratings loss? Or maybe a nagging injury that results in diminished ratings but require no loss of playing time? It is annoying to watch young players with high makeup ratings, in systems with both high medical and high training, lose ratings points across multiple categories which are not then regained after recuperating from their (minor) injuries.

They do have injuries like the first one you mentioned. I'm always seeing guys go down for 3 or 4 days for minor injuries, with no ratings hit at all.  Maybe I'm misunderstanding your first suggestion.

I LOVE the second part of that.  It would be cool to be forced to make a decision to bench, play, or DL a guy who could play but with diminished ratings and higher increase of getting hurt worse.