kind disagree tbh .. i have a feeling the game use more overall skills
i played a team who had no GK , so he used another outfield players with 10 in handling but good in other defensive skills, but he kept making saves after another facing my 21 level strikers .. and I couldn't score !! .. what are the odds of seeing a defender in Southampton doing one save after another facing alike of RVP, rooney ..etc without conceding the whole game when playing as a GK ?

and disagree on important of physical side of a GK... you have a point if he needed to run faster, but sure not aggressiveness or stamina or creativity .. even strength .. a GK can't be pushed or it is a foul .. anyway even if physical side is needed , sure not all skills, and sure they are 10 times less important than his Goalkeeping skills ..
thus not only the rating is wrong and deceiving as it is same calculation for each position , so it is really useless, but problem become bigger if Match AI do use it instead of skills