If you put Smith around better talent, he is very capable. Is he the next star? Probably not. However, he could easily be a steady arm and good leader. He doesn't need to throw for 30+ TD's and 4000 yards for the Niners to win. Just imagine stats like this...
24 TD's
12 Int's
60%
3250 yards
If Smith puts up those type of numbers we'll be okay.