I agree with each of the last 3 posts. And I think Emma's point about a coach out-thinking himself came into play in both the UMHB game and the Mount game. (I don't even remember the Linfield situation you speak of). Easy to say after the fact but IMO, both the Cru and the Purple Raiders made the wrong decision and did out-think themselves. The Cru really needed a TD and the Purple Raiders really needed points. I am in HSCoach's camp in hating timeouts when the offense is on a roll.
On a slightly different note, I think many people (think of those fans screaming for a team to "go for it") have a skewed perspective of profit/loss when it comes to "going for it" on 4th down. Generally speaking, I see it as a greater opportunity for the defense than it is for the offense. Stop a team on fourth down and you have the ball, you have momentum, and you have a defense feeling awesome about themselves. Offensively, you get a first down and you still have the ball with a chance for a TD, but you still have not put any points on the board. Obviously there is a time and place to go for it, but I believe it is a greater opportunity for the defense than the offense.