I can agree with OP in terms of, we shouldn't act like the season is black and white 100% over, because it could be a whole lot worse. Look around the league, the redskins are 3-6, are Way more hyped of a team than the Fins, and they technically, by the numbers, are "still in it". This Tampa Bay team Did in fact take the Seahawks to OT, in Seattle, just the week before. That doesn't just Happen as a fluke. Their defense can be real, and their offense can gain some yards with Vincent Jackson and their RB's.
HOWEVER: No matter how much chance / probability / excuses that can shape a season, the truth remains: our team is NOT a good football team. Philbin, Ireland, Sherman, Jonathan Martin's parents, anyone you want to point the finger at -- we're simply NOT for real, we're not prepared to win on Sundays, and it shows, every single week through scrappy, grind it out, nailbiter games. Our team needs to be better than a mediocre nailbiter winner if we're going to be a playoff contender year in and year out.