Yes, it is the Everton and Chelsea researchers who have done them.
They both currently have extremely high PAs in the database for FM22. Their CAs are very low, particularly Small's.
Not at all.
Sure Chelsea might opt to buy him back, but loans don't see the loaning club make a huge profit. Plus the buy back clauses like Chelsea have normally have cut off dates.
Both systems will probably have their uses throughout the season. Not only match to match, but switching it during games for different scenarios like today.