If Erdei was a couple years younger, I'd peg him to beat Cloud- Zsolt's the better boxer. However, he's not the same physically and that'd be the difference in that fight.
Erdei is definitely legit but he will get the right challenges only at the end of his career. By right challenges I mean fights that can make his name bigger. Too bad for him but I'd think that he is financially secure so he'll be fine.
The fact that he couldn't definitively beat Garay twice says a lot. And the fact that Chris Henry beat the **** out of Garay....well, you get the gist.