Yes, "unbalanced", that's the correct word. It's not the matter of penalizing anyone for not playing the 100% flavour, but for assuring, that 100% means really the toughest gameplay, and that 100% means 100%, not 105% nor 95% (in other words, that 100% means always the same).
From now on I'll state "101% realism settings" in my sig instead of "100%".
