You're leaving time on the clock either way. Tampa had 2 timeouts.
And 2 other teams fumbled the ball away running the ball with leads yesterday. One won and one lost.
Hindsight is 20/20. I liked it when he went for it on 4th down, and I was ok with him passing late. I understood why he was doing it even when conventional wisdom dictated otherwise. And fwiw, conventional wisdom isn't who Coach Payton is, and I'd rather he stay aggressive. But that's just me.