I was looking for at least a decent and somewhat consistent goalkeeper since December when I started playing FUT in FIFA 18. Recently, I got my hands on De Gea (90 Overall), so much glorified by almost all of the players, and I could not stand him. He was worse than every keeper I tried - Begovic, Fahrmann, Buffon, Donnaruma, Handanovic (normal and TOTS), and Ter Stegen (normal and IF). When I bought this Ter Stegen, I am finally good to play, I know what to expect of him, and I am so, so happy with his performances!
That is why I think the case of goalkeepers is very individual... Begovic and De Gea, while playing for my opponent, save almost everything. When in my squad, they are just slow potatoes.
To sum up, Ter Stegen TOTS is not overrated and totally worth the coins, at least for me :)
Saves a considerable number of driven shots
Could be a little bit taller
Honestly, if he does not save something, I'm not even mad at him because of what he does throughout the whole match and if he fails to save something for me, it most probably cannot be saved by anyone in FIFA 18