0 Super Bowl rings- Romo will never get in. Lo siento
1 super bowl ring - Romo MAYBE gets in, but it would take a long long time
2 super bowl rings - Romo is in no problemo
3 super bowl rings - Romo is in first ballet
I agree with you with one caveat (or maybe an explanation on your second point). If Romo wins a Super Bowl
AND has a historic year in the process, i.e., leading the league in yardage, engineering spectacular comebacks, etc., he gets in.
If he's a bit player like Peyton Manning was last year, then, I agree, it's iffy even with the ring.
Personally, I don't think Drew Brees should be a lock for the Hall of Fame - based on what his contemporaries accomplished. But he put up stupid numbers that year and is considered the galvanizing force behind the Saints run. Also, winning the Super Bowl a year or two (can't remember the exact time) after Katrina, simply adds to his mythical, mystical, magical story.