Let's give the Generic Spellcaster (and generic characters generally) tiers.
The Generic Spellcaster can cast Arcane or Divine spells (chosen at character creation). His casting stat will either be Wis (Divine), Int (Arcane), or Cha (Arcane). He gets any 4 skills as class skills, plus Craft, Knowledge (all), and Profession. He gets a bonus feat at first level, and a bonus feat every five levels (ie 1, 5, 10, 15, 20). The bonus feat can be any feat he qualifies for, or a bunch of special class abilities he can choose from (including turn undead). He can choose his spells from the Sor/Wiz, Cleric, and Druid lists. He casts as a Sorcerer, with slightly less spells per day (at 20th level, 1 less 9th level spell), and the same spells known.
What tier would this character be? Has he broken through to the tier 1 classes? Does he break through once you get access to Miracle (Psychic Reformation)?