Quarterbacks are THE most important position. You must have a 95 or better quarterback (and they really should be 100s) to even have a shot at being a championship team. Ratings of 94-88 are great back-ups and "emergency" QBs.
How many real-life teams can you think of that won a Super Bowl that didn't have a super star QB? Wait for it.... TWO. Two out of forty-five. I think we've made our point.