The problem with your argument is that it discounts when Kyler was nails last season. I can't believe I'm defending him, but we have to be fair about his play. Did he choke away games for us? Absolutely. Did he also carry the team sometimes? Absolutely. That's the problem with trying to re-legislate Ws and Ls with these kinds of arguments. There are just as many counterarguments.
The bottom line is that this roster is not good enough. Now, we can argue degrees. Are we good enough to win the SB? No one's idiotic enough to claim we are. Are we good enough to win playoff games? I will verbally crush any who say we are. Are we good enough to make the playoffs? I say not at this point, after losing some of the talent we do have. And that's a big, big problem. Our roster is bottom half and not even close. We need studs. We need, dare I say it, Big Johns, something Monti has not proven he can do even once.