I'm really curious as to who it is that's "overrating" Ben. No one gives him credit for anything he does. I haven't seen one quarterback ranking that has him in the top 5 in the league, and some don't even have him in the top 10.
You want to talk about Ben's individual accomplishments?
How about having a passer rating above 98 his first two seasons in the league (which ranked in the top five both years). Maybe breaking nearly every passing record for a rookie in NFL history? The team accomplishments (which the team wasn't doing before he showed up, and couldn't do when he was injured), are just icing on Ben's cake, that even further prove that he is much more than "serviceable."