IMHO McVay is capable of winning a championship, but he needs to get good luck and also correct mistakes.
2018: injuries to Kupp and Gurley were huge. Goff played lights out in NFCCG. But McVay was clearly outcoached in the SB. (Wade's D was excellent though).
2021: Dead money cap hits for big mistake contracts for Goff and Gurley. Great, daring moves for Stafford, VM, and OBJ. Tough injuries to Woods and a LOT of role players. Fair criticisms that McVay can get into a "rut" and also lose patience with the run. Losing Stanley for Morris looks like a huge downgrade.
Bottom line, I think losing McVay would be insane. Five consecutive winning seasons after a 12-year run of nightmarish ineptitude.
Despite not having top picks, I think once the dead money comes off the books, this team will have plenty of talent to stay relevant for the next few years. McVay is pretty damn great despite some flaws.