I don't know if 15 is a hard and fast rule (I expect it's actually based on SBA/100SBO) but it's around there. So yeah, even if you set him to 5, he isn't going to exceed his RL totals by much, and might not even match them.
And, anecdotally, I also think his success rate won't be as good as a guy who was 24 out of 26. Maybe it's because he's 12/13 but his speed rating is low.
I just finished a season with Chase Utley 2009 (RL 23 out of 23, speed 74) and he was 16 out of 23 on the season, set to 5 all year.
And... Jayson Werth 2010, 13/16 on the year, set to 4 all season, didn't even attempt a steal.
For comparison's sake, Jimmy Rollins 2007 (41 out of 47, 91 speed) was 56 for 68, so he ran MORE than RL.