Fiero, as you well know, todays NFL QB's have it made, in the Montana era QB's were hit hard on a regular basis, there wasn't all these rules protecting them. So it's hard to compare them to the Brady era QB's. So I would tend to agree with you that Joe's body probably had worn out, though he did make it to the AFC playoffs with the KC Chiefs that last year.
It's funny you mention Montana's persona, because as much as he was a genius on the field, here in Northern Cal nobody would deny he was just wooden and inarticulate off the field, just zero charisma. The most boring interviews always. LOL. I wondered why he never got on the broadcasting train, so you may have a point there that it would have been challenging for him.