He can be a HOF QB depending on how you build around him. I won three straight Superbowls with him (and Gruden made it a 4th when I left). I was using the Shanahan system, and with his rocket arm and my 1,500 yard per year run game with Ozzie, my offense was balanced (naturally I had a stacked D).
However, he is nothing like Joe Montana. He has a rocket arm (I got it to 99 THP) and solid accuracy/awareness. The thing is, he can be had in the early second a la Drew Brees; so you can get Ozzie in the first and Wyoming in the second. Although, if you have a high 1st, Joe Kain is significantly better (Hammermill had him and McFadden in that same chise
).