I could not have disagreed more with the decision. If you kick the field goal, to win you need to get the ball back from an offense that has not punted all game. If you go for it and don't make it, to win you need to get the ball back from an offense that has not punted all game. Obviously the difference is in #1 you need a FG to win and in #2 you need a TD. But that difference is more than offset by where you are on the field, how many yards you need for a first down, and the fact the your own offense has been stopped only once all game. With 4 yds to go you can use every play in the play book, Navy cannot sit on the pass, drop 8 guys into coverage, they have to play straight up defense. If you don't get it, you have 87 yards in which to try and stop Navy and get the ball back. If you kick the field goal that most likely becomes 75 yards. Kelly made a very sound traditional coaching decision in a very unusual non-traditional game situation. No guarantee that it would have made a difference, but IMHO it was the wrong decision.