I have a 30 sided dice I use after each play. I roll it and if a # 1 comes up there is a fumble if the player was down by contact. If a # 13 comes up there is a penalty on the play. You can make up your own penalty charts or use the one Reggie created. It's up to you. As far as fumbles roll dice again- evens offense recovers odds defense recovers.
I don't use intangibles on running plays. That is one area where I let the players do their thing. I don't want to incoporate too many charts into the game because then it would be just a glorified board game. Running plays are far more exciting than the pass plays.
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