His point was, Montana **** the bed with a loaded team three straight years, 85-87. This was pre-salary cap and free agency, of course, so those teams were loaded and stayed loaded. Won in 81, pass on 82 the strike year, they were bad, 83 tough loss to Washington on the road (which should never should have been a road game, as a loaded team lost 4 of 5 in November against dogshit teams), won it all in 84, lost to the Bears in 85, a team they should have annihilated like the Dolphins did, they had better weapons (as proven the year before), 86 his fragile ass missed half the year (A couple of actual bums went 5-3-1 in his absence, showing how loaded that team was, and it was Montana's fragility that made Walsh go out and trade for Steve Young), and got stomped by the Giants in a one and done, 87 was another strike year, but they went 10-1 with the starters, 13-2 overall, #1 offense and defense, and got croaked at home by a barely .500 Vikings team. Walsh changed the offense to give Roger Craig 100 more carries than he did in 87 the next two years, and they won it all twice. 90 they lost to the Giants again at Home this time, and they could only put up field goals.
Montana was an excellent QB, but the ONLY reason he got 'GOAT' talk is because he won four Super Bowls. You could argue he was on loaded teams that won without him because he was fragile too. His first year in Kansas City (again, when he was actually on the field) was his best in my mind, because that team was him, Marcus Allen, and a bunch of practice squad guys, if they had practice squads then. The front 7 on defense was very good to excellent, but their secondary was dogshit as well.
I liked Montana. A lot. I liked his clutch gene too, but San Francisco should have been in 6 or 7 Super Bowls instead of just 4. And you can blame a lot of that on the quarterback play, that they weren't.
Bill Walsh *traded* for Steve Young because Montana was fragile, and started him over Montana briefly because he was just better. The analogy would be if Bill Belichick traded for Ben Roethlisberger in Brady's late 20s because he couldn't stay on the field.