Mike, neither you nor me are in a position to disagree with Gruden. As ahearnb said, when in doubt I'll defer to those smarter than me.
But for the record, I don't have a problem with the disagreeing and I enjoy the discussion. I get irritated when people spout off about how the coach is a moron and an idiot, when in reality it's most of the time a marginal decision either way. Sometimes it's quite obvious, but look at this thread - there are opinions on both sides. If that's the case, disagreeing is one thing. Calling the side that has valid points and very intelligent people agreeing with it dumb is just ridiculous.
Most decisions are probabilities, not certainties, and there is variance. If a decision is 60% long term to work, but doesn't in any given situation, the coach is often called an idiot. That's unfair, and people just like to puff their chests about how smart they are by calling the guy who quite often made the right decision a moron, as though that adds validity to their point.
Are there situations where it is an obvious, 100% mistake? Absolutely. But they are not near as often as those on this board would like to believe.