3 passes and then sneak on 4th down.
Save all 3 timeouts.
Rams likely run it 3 times and if you stop them you get the ball with 35-40 seconds just needing FG range. Teams do that 50-75% of the time, especially if they have a top QB and an offense that has been clicking all day.
Versus burning the timeout and having to rely on an onside kick, which basically never works.
So no, "both options weren't bad". One gave your players on offense, defense and special teams the CHANCE to make plays to win the game, the other took any chance of that away.
That is 100% on the coaches.
Your offense gets 4 chances from the 1 to score the TD
Your special teams get the chance to kickoff deep and pin the Rams
Your defense gets the chance to hold them to a quick 3 and out
Your special teams gets another chance in the kicking game, this time to return the punt
Your offense gets the chance to get into FG range for the winning kick
Your special teams gets the chance to win the game
OR
You hope for a miracle that never works