Man I love the "it" factor. Not only does "it" exist, but it's really, really hard to quantify (i.e., subjective...again). Joe Montana had it. You guys say Frazier had it (I'm not saying he didn't, I just didn't follow Nebraska enough at the time to know); Tebow had it; Elway had it; so did Vince Young and the Rocket: the ability to come up big when it mattered most.
There are players who are great producers, but who you wouldn't choose when the cards are down. There are players who are great producers who never really had the opportunity or need to produce when the chips were down. Wuerffel may actually be one of those guys. In the 1996 season, he never really had that opportunity. He had a come-from-behind drive against FSU, but it wasn't to tie or take the lead, it was to get within a score.