

The effect on TTM is even worse so now i'm a firm believer in the all modifiers count towards fumbles rule.
In addition it adds extra cruft to the the rules, that you would have to remember which modifiers to take into account and which to ignore when checking for a fumble.
The only thing I don't like is that extra AG doesn't allow for one less chance of a fumble, I think it would be nice if AG 4 players only fumbled a LB on a 1/2 and if AG 5 players weren't all or nothing types, but I don't see a clean way to add this effect to the rules.