I literally laughed out loud as I read this thread!
Oh, for those good 'ol days!
Like Valen, I remember the board war that ensued over this ten years ago, when the climate was a lot less politically correct and the board posters were more, shall we say, volatile. It lasted literally for weeks! It's kind of like some veteran courtesy now that no one even brings the subject up anymore for fear of starting WW III.
The sneakiest cause for pain was the "unintended" third catcher, the guy who was known by his regular fielding position/s, but also had a C (+5) e75 extra position tagged on that no one ever seemed to notice until it was too late.
Regarding the over-injured line-up, durantjerry posted a team recently demonstrating that pitchers do not take the field. However, this is a recent change from year's past. I can confirm with 100% certainty that there was a time when if you had five or six injured fielders, the pitchers would definitely come in and play a position. I have tried to replicate this more recently with super high-injury teams, but in the last few seasons I have been unable to even force HAL into having to make the decision. Even with a 13 man offense I couldn't seem to get five position players hurt at the same time.