I'd put Flacco in the 'needs more help category' personally. He is money in the postseason. The defense just needs to exist to help him get there, but Baltimore has none right now.
That's the problem with Flacco is his only perceived strength is "he's money in the postseason". Problem is, he really isn't. He did that once. Throw out his one year run, where he clearly made a pact with the devil, and his numbers look like this:
11 Games 180 of 321 ( 56%) 2083 yds (189 yds/gm) 14 TDs 10 INTs
So, he averages 189 yds 1.2 TDs and .9 INTs a game. That's pretty damn pedestrian. The defense has made Joe get wins in the postseason, but other than in 2012, he's never really done much.
All I know is what I see from watching him, and it's just not a very talented, or smart quarterback. Rarely audibles. Throws off his back foot when he doesn't need to. No touch. True, the talent around him is poor right now, don't get me wrong, but the throws aren't there. Yeah, an Anquan Boldin might make a few more spectacular catches on those awful throws, but he's not making Flacco a good QB. People joke about the DPI Flacco ball, but really, it's just his consistency at underthrowing that makes it possible.
But at the core of this, is that we're talking about a QB who may or may not be fair, who may or may not suck, and meanwhile, he's one of the highest paid players in the league.