I agree. Five years into a franchise the entire roster is generic so it is clear people will play a game with generic rosters. One of the most popular features in NCAA football is recruiting and that is completely generic. I have no doubt a game with generic rosters would sell a lot of copies. That still might not alleviate licensing concerns from the NCAA without clarity from the courts.
I'm repeating myself but the problems is with the courts. They are good at issuing edicts and rulings which punish companies but they are pathetic at working with the companies to provide legal clarity regarding what they can do legally going forward. As Chris said in his op, neither the NCAA or game developers know what they are legally allowed to do. Nobody is going to make a game first and find out later whether it is legal.
The only people who came out ahead on this were the slip and fall lawyers. A few lawyers got rich, players got some chump change, employees of the companies and fans of the game lost.