At the end of the day -- I dont really beleive that "if only the referees would have gotten it right, the Cards would have been 10-6" or something like that.
Was the call on AW a bad one in the Balt game? Yes -- but even if the Refs had gotten it right, Balt would still have had the ball at their own 46 with :54 secs left and two time outs. Lots of time for several throws to move into FG range. Also, even if they didnt, the game goes into overtime and there is no guarantee the Cards win then.
I think a far, far bigger factor were injuries. Somebody posted a John Clayton analysis that put the Cards in the top quarter of the NFL for starter games lost. Compare that with a team like Green Bay -- Somers posted in his blog that GB hasnt lost a starter for more than one game in over two years.
Injuries do matter, and the teams that avoid injuries 1. to their key players and 2. a rash at one position are in a far better position to win than those that dont.