Yeah but real life is about generating money by extending the playoffs. I'd rather see an option for just two divisions and Winners play World Series. Especially with ATG.
Better yet, division winners get a credit, WS champ gets an extra credit (or one if it's a wild card team). Takes a lot of the chance out of that credit.
Since this is merely a facsimile of past reality- the dice rule. I can only think of the wacky things that happen in "reality"- like the 69 Mets, and many other unlikely events in the game.