Biggest thing that about Montana is his Super Bowl record is due to the NFC dominance more so than super clutch play at the highest levels. The NFC won 13 straight during this stretch, and the AFC sacrificial lamb was often the equivalent of an NFC Wild Card team. Going 4-0 sounds amazing, until you consider that the following QBs combined to go 11-0: Williams, Rypien, McMahon, Simms, Hostetler, Aikman, Young, Favre.
Against the real powerhouses of the league in the 1980s, the 49ers under Montana:
2-0 against the Bears
2-3 against the Giants
1-1 against the Redskins
5-4 overall
That’s good…those were the best teams. Montana was a great QB, but he didn’t play on a magical clutch level either. No one has. That isn’t how football works.