I really don’t want to get into the whole momentum/intangibles/confidence deal, but it’s worth noting LT King Dunlap was visibly frustrated with McCoy’s decision to kick the FG.
And for a coach allegedly making his last stand, it speaks volumes McCoy played for a tenuous tie instead of playing for a win which could’ve changed the season, or even saved his job.
It’s also worth it to note an old axiom that you should think about going for the outcome your opponent fears most. Were the Raiders happy that McCoy settled for 3?
"I'm glad they did (decide to kick), I was a little bit [relieved]. I talked to some of their players after the game. They wanted to go for it."
-Raiders LT Donald Penn
In Summary
Any of the 3 scenarios above give the Chargers a better chance of actually winning the game than the scenario McCoy settled for on Sunday. His decision to make the obvious and easy call for an FG attempt did very little to actually improve his team’s chances of winning.
What the decision did was temporarily improve the Chargers’ odds of not losing the game, by shifting the burden away from his borderline Hall-of-Fame QB and productive offense, and instead shifting the burden onto a beaten up and undermanned defense which had gamely slowed, but struggled to stop the Raiders all game long.
McCoy had a last chance to change the fortunes of his team, and the Chargers’ 2016 season. That he instead chose the safe & well traveled road might be the best for everyone involved.