I haven't had that many red cards myself yet, and none that I'd consider harsh. I've had a couple where they were blatant hacks from behind when one-on-one, and one where I sprinted and lunged in from the side, hitting about half way up the guys shins... He went off injured as well, pretty cool
.
The CPU seems to get many more bookings and concede a lot more fouls on the higher levels which I like, as well as the keepers getting themselves sent off.
I'm sure the chants can be modded quite easily with the PC community on various sites (moddingway?) getting into it each year. I'm looking forward to getting some chant packs including swearing, for a more authentic experience... It's not a football match without the ref getting called a ******