Carr isn't top 10. He's had 1 legitimate season of top 10 play, and we are in his 7th season. He's playing about as well as he did last year. Efficient, accurate, keeps the offense on schedule, keeps them out of 3rd and long, and has been accurate on 3rd downs... but he doesn't generate enough chunk plays to be explosive. I don't get why people are so enamored with his first2 games of this year as if it's any different from what we saw last year.
The criticism of Carr is that he's really turned himself into a stereotypical "system" QB, in that even on his check-downs, he's more often than not technically making the right read and right decision, but he doesn't take those chances that the great QBs do. He doesn't make those big plays when things break down. He doesn't ramp up the aggressiveness enough when the team is in a hole. He always follows exactly what the progression is, sometimes to a fault.
The next level for him is to start having at least 1-2 chunk plays to Ruggs per game.
He's better than Minshew though