OK, first off, I'm going to say something that hurts me to say b/c of my affinity of ST26:
2003 BCS bowl game: If Ed Reed makes that same interception, he doesn't get stripped by Maurice Clarett. ST26 is by far the most naturally gifted S we've ever seen, imo. Imo, he would've had a better overall career, statistcially, than ER20 b/c he was truly a manchild. BUT ER20's IQ and natural instincts for the game? Talk to any elite CFB or NFL coach and they'll tell you ER was second to none at baiting the best QBs to think a WR was wide open and once he got the ball in his hand, he goes from DB to RB immediately.
Now, as far as best at Miami? Imma have to go Dan Morgan, and the only reason why his career at Miami gets skipped, despite him being our most decorated player is b/c his NFL career was cut short due to injuries. But a healthy NFL Dan Morgan was a dominant Dan Morgan like he was at Miami. (See his most healthy campaign in 2004) I don't think Dan ever played more than 75% of any NFL season b/c he was always dealing w/ injuries and migraines. But that's why his career here get glossed over.