With regards to the fumbles or interceptions, this is how I understand it.
The whole thing about having to make a "football move" didn't come into play in the pass to Gates. In the act of catching the ball and going to the ground you MUST maintain possession of the ball all the way to the ground and come up with it. So when a player goes up for the ball and comes down to the ground with a defender, there can only be three possible outcomes. INC, RECEPTION or INT. There can be no fumble because in order to even be considered a catch you have to be down with the ball. It is the same with all the out of bounds catches / non-catches we see. If you bobble the ball while going out of bounds, INCOMPLETE. Same thing applies when making a catch while going to the ground. THe announcers mentioned also that rule comes into effect when entangled with a defensive player.
Anyhow, that is my understanding of the rule.