Should Payton have challenged the Bush fumble?

Is it just me or does anyone think they need to tweak the replay rules a little bit. I like the fact that coaches have an option to challenge but I don't like the fact the teams can "cheat the system", so to speak, by hurring up and snapping the ball before the other team's coach can even make a decision to challenge or not. Maybe give the refs upstairs as well as the coach the option to review a play. I guess it would slow the game down a bit, but at least you can get more calls right.