Steph needed Kerr, Kobe and MJ needed Phil. Ray's coach is about to be in the hall of fame too. Weak organizations and bad teammates don't get the job done. Ray is better than Reggie, who is more comparable to Klay. Ray, Reggie and Klay can all create separations off closeouts because they are dangerous threats. They could get the one dribble to the side 3 or the mid range. Ray could break dudes down more off the dribble with his athleticism in the earlier years, but Ray's handle and quickness with the ball can't see Steph.
On about 4 attempts a game for three years, Curry shot over 40% from 3 when he entered the league. He was on bad teams with a different coach for the first three years. Curry shot 45.3% on 7.7 3s a game starting in 2012-2013 in year 4 of his career and continued to shoot 40% on increased or equal attempts the rest of his career. Compared to the years Ray Allen shot over 6 attempts a game, Steph has better 3% by a couple points.