Your thoughts on the game sure are thorough and I have some minor comment with some of your thoughts.
I share your concern with fumbling the football. If Ricky was being careless I would agree with you but any back in the league is going to lose the ball when hit right on the ball with a helmet or shoulder.
Jamar Fletcher did improve his play considerably this week just like the rest of the D. Teams are going to continue to pick on him as he is the third best CB on the team. If he keeps improving he will be just fine for the playoffs.