I agree with what Jim and Diana have said, "competency" is a personal benchmark. French is my fourth language also, but the first I pursued on my own as an adult. RF also wasn't my first exposure to French. I took it in college, restarted some six years ago now with Rosetta Stone (all levels) then finished the three levels of RF French last year.
After finishing RF Platinum, I could get by in French speaking cities (ordering, taking the metro, asking directions). But when there was a problem with my shuttle service not showing up, I had to resort to English to ask the hotel staff for help (I understood the automated message on the shuttle service's phone though). So, if your expectation is to go tête à tête with a French-speaking person, that's not going to happen just with RF or any single program. You will not be fluent.
For me, what I liked about RF was that after I finished, I felt that I had a good foundation to continue, so I'm getting tutored now twice a week to get acclimated to the speed, build up vocabulary and just practice speaking. So in that sense, I think the idea of competency is a bit defeatist because it implies reaching a level that's "passable", and not striving for fluency.