My two cents.
Dinwiddie was out coached. The two third down play calls were horrid. The out coached may have started in Sept when they locked up first place. It all looked good resting players and they still won. But they may have lost the competitive edge. Who knows?
Kelly simply crapped the bed. He made decisions to throw that was pop warner level. MAYBE he should have played against a WPG team that needed the win. Because he folded under the pressure. This should all be analyzed in the coming weeks.
I still believe in this team, coach and QB. But they have to learn from this and come back next year with a chip on the shoulder.