My one criticism of Payton

I do not think he knows when to challenge and when not to. For example, on the first drive, that 3rd down looked like the ball might have hit the ground, making it 4th down and saints ball. that would of been a good time to challenge. the reggie was fumble was very obvious that it was a fumble, no need for a challenge. no way the coaches in the box called for that review. anyone know if he is listening to coaches in the box? and what are yall thoughts on paytons challenges?