Agreed for the most part, although in Marty's case, it wasnt just that late Montana aside, most of his Chiefs QB's or other QB's were inferior compared to teams they played, his ultra-conservative, play not-to-lose opposed to winning and at times being over-cautious and not allowing his defenses to not go for the knockout were huge factors as well. And he still remains one of the most unluckiest NFL playoff HC's probably in NFL history. SWJJ, he had a sheet ton of dumb, stupid inopportune luck like in Cleveland and with San Diego in 2006 (that last one was not on him, but Marlon McCree's incompetence.)