I definitely can see it your way - He's not exactly a policy wonk, and we barely know about the already sketchy financial background he has, including his relationship with ethically challenged Former Congressman David Rivera. I think he has more baggage than that.
Policy writing and analysis isn't the point of a presidential campaign, but Rubio's campaign has done more to demonstrate policy literacy (or, at least, the kind of policy literacy that presidential candidates are usually expected to have) than almost any other Republican outfit. A month ago most of his competitors didn't even have "issue" pages on their campaign websites, and I would not be surprised if this is still the case.