The 24/7 media needs profitable clickbait and "tiers" are their crutch. Every week, a new iteration of "top ten" this or "top ten" that. Football fans are addicted to the clickbait. Every week, a new "tier" to measure your emotional investment against. To satisfy that never-ending desire to feel validated because some talking head says so.
I put Geno in the Geno Smith tier.
His consistency relative to his contract value is extremely good. As good as anyone short of the inexplicably underpaid Mahomes or ridiculously cheap Purdy. When you factor in how much a quarterback gobbles up cap space, robbing talent from other portions of the roster, then it is a completely ludicrous exercise to categorize quarterbacks into "tiers" unless relative contract value is taken into account. Overpaid quarterbacks are forcing teams to let go of valuable roster pieces and their perceived "tier" doesn't mean crap in that context.
Hence, I despise QB rankings and "tiers" because they almost never include the most important aspect of ANY player's value. Are they delivering what their contract says they are supposed to deliver?
For Geno, that is a big, emphatic yes. He overdelivers what his contract says he should deliver. If every player on the team overdelivers on their contract value, then the team is a championship contender. Geno is more than holding up his end of the deal.
This is what the Forty Niners figured out with Purdy and precisely why they sent Lance packing. Bang for the buck. Mr. irrelevant rookie deal verse first rounder due for extension. It is all about overdelivering on the contract and preserving cap space to retain good players. The Niners window remains open for the foreseeable future because of it.