QB Tactics need to be adjusted over the course of the career. Starting out you need more loft, because receivers can't catch well yet. You have to balance deflections and INTs against drops. If you have more drops that DEFs, you need more loft. Dial in more bullet as you grow.
Creative route running only starts to work at 80+ agility. Cuts depend on agility, and more importantly accelerating after the break is agility based. If your agility is too low, you'll just run slow sloppy routes.