Overrated? Far from it. I honestly believe you guys have easily assembled one of the best teams in the league. The problems are elsewhere.
For starters, Tony Romo believes the hype about him. He's a young kid, you can't blame him. However, this will continue to be the Cowboys achille's heel. If Romo was a veteran and had this team, they might be damn near unbeatable. Since he is so young, he is in the brightest spotlight, and he hears nothing all day but how wonderful he is, and starts getting Pepsi endorsements he hasn't earned (No Ring) he's gonna have a big head. He can't get up for the big ones yet, but he'll get there. For your sake, you better just hope he gets there while T.O. is there, or it might be irrelevant.
Dallas consistently underestimates great opponents. The media is in JJ's pocket, along with the broadcasters (who all seem to be ex-Cowboys), and it overinflates their perceived level of greatness. The Patriots were hyped like they were gods, but generally stayed humble about it. In the process they racked up 3 titles, and the 3 longest winning streaks in history, and also became the only 16-0 team in history. They never took anyone lightly until they met NY last year. Their mistake, because they nearly had their throats slit by them in the last regular season game.
As long as Dallas believes they are invincible, they will shoot themselves in the foot. As long as they look at the Commanders like they are the Skins of the 90's, they will keep getting beat by them, just like 5 of the last 7 times.
The media has a love affair with Dallas, and they despise the Commanders. Becuase of this, Dallas feels they are superior to the Skins no matter what, because even when they were great (1983,1987,1991) the media gave them no love, so Cowboys think they are just going to waltz away with every game.
It's the attitude that beats you, not the lack of talent. They don't play to win when they need to. They're their own worst enemy.