Of course we're entitled to our own opinions.
The clavicle is unrelated to his age, period. Romo's back is the real concern, and that was a bigger issue back before the season where he led the league in passing effectiveness.
And I've said consistently that it was a a huge mistake not to have a better plan for backing Tony up this offseason. I'm not in denial about anything.
Age takes a toll on us all and Romo is at an age where injuries become more commonplace for those engaged in physical sports, especially one as violent as football. Anyone's bones tend to get less forgiving of stress as the aging process continues and it includes the clavicle as well as any other bone in the body. Tony is no exception to that process, which is inescapable. Hopefully, his newly reconfigured clavicle and his back problems may prove to be left behind. We'll see.
I totally agree with you that it was a mistake for the team not to take the needed precautions for getting a good backup QB earlier, though.
Aside from that, I think when scribes rate players, they should have an option to account for a player's availability as a part of their ratings if they see fit. I harbor no objection for them to make that criteria a factor in their ratings.
Admittedly, I don't take these ratings too seriously anyhow, it's merely one man's personal opinion when something like this is submitted for a fan's interest. I think it's best to take that stuff with a grain of salt. Like Emmitt Smith once said, "opinions are like a-holes, we all have one."