I agree with your point on the 3rd down defensive breakdowns.
I also think that we had a golden opportunity to permanently take advantage of the momentum once and for all by scoring a TD to make it 24-17 with about 4-5 minutes left, yet weren't able to convert the most important 3rd and 1 attempt of the game. I think it was pretty much lost there, as I assumed that Carolina would have plenty of time to score the game winning TD--and they did.
A FG in that situation just wasn't acceptable based on how they were successful vs our defense. We needed a TD, where they'd only have been able to tie the game at best, and would've been under a ton of pressure to do so. The worst part about it is that we were in easy FG range at the end of the game, so even if they did tie it we'd have likely won with a FG as time ticked down.