One aspect of player ratings I have never agreed with is the way injured players are dealt with. Usually, injured players are given lower ratings than they deserve to account for the injury. However, this approach does not make a whole lot of sense.
A talented but injured player is not the same as a less talented but healthy player. It is possible that Rose will not even play in the coming NBA season. It would be legitimate to not include him in the game.
On the other hand, if you do include him in the game, make him who he is. He is one of the most talented players in the game. He might not be able to play, but if he does get healthy, he will not be a second-tier player. There are a few other approaches that would make more sense.
Option 1: Make Him Healthy
Just put Rose in the game as his own healthy self. This would not be entirely realistic but would probably make users of the game happy.
Option 2: Give Him High Injury Likelihood
Put Rose in the game at full talent but give him a very high probability of re-injuring himself. This would make him as dynamic and exciting as real life while still diminishing his value.
How should Derrick Rose be handled?
Option 3: Keep Him Injured Until the All-Star Break
Let Rose have the rating he deserves, but render him unusable in the game until after the all-star break. This would emulate a reasonable recovery time and would perhaps be the most realistic option.
All of these options would be viable. Different people will have their own preferences. However, making Rose a fully healthy second-tier player is the least reasonable and least fun option.