Jim Harbaugh did the perfect logical play that in no way was his fault. Blaming him for this is like blaming the government for a natural disaster. It was O'Neil that freaking choked the game away.
A couple of things:
1) Smiling thumbs up Desmond Howard just before the play reminded me of UK bench and announcers just before the BLuegrass Miracle
2) Sean McDonough is one of the best announcers around. He deserves these great dramatic finishes (also did the Stoerner "stumble and fumble"). He calls them great.