Well that's usually the max.. you should get it when ZFarls gets off work.. I believe he checks it after work everyday..
It's definitely worth the wait. Your D will be great..
You don't have to be a GREAT user safety but you can be average.. I've noticed that most of the people I've played don't throw to the deep middle of the field for some reason.. I always user Pat Watkins for the Cowboys.. he's my FS and he's 6'5" so he's tall.. I can swat down a ball that most DBs can't.. it helps to practice..
All you have to do basically is watch the WRs, the RBs usually run flat routes.. you start out covering like a yellow zone, but if you see someone is going to your zone, you need to get back there and get ready for a pick..
If you aren't comfortable with covering someone once they are in your zone, you can press the X button (A on XBOX) and the FS will play his assignment again.. It's called the defensive assist button.. it works really well because you can roam around, then if you get out of position, press the defensive assist button and the guy you are usering will go back to his zone.. plus if you control the FS after you've pressed the defensive assist button, it'll look like you are doing the coverage so your opponent will be tempted to throw there since most people have poor coverage skills.