Tony Romo towards the top of the list...
Overrated is a term that's always eluded me. Who are doing these mythical "ratings" that we are comparing to? And are we talking going forward or in the past? Going forward, I'll go with Favre. He'll never be worth spit again. But historically, he's a great.
Romo, hands down. Palmer is no longer considered a top tier QB, and has wideouts that are never where they are supposed to be on the field. Everyone knows Cutler is a piece of shit, not considered top tier either. Romo gets my vote.