Whether the defender decides to try to knock it down is dictated by experience. He will either decide to "make a play " or not.
Combine that with his actual ratings and you will get an outcome.
Young guys might go for an interception and miss while the vets will sit back and just knock it down.
Both play in to the favor of the vet, but do you want a knock down or an interception? I guess it depends on the situation, but in general the vet will pick it off more, and the young guy will knock it down.
When the QB is under pressure those numbers go through the roof.