This analysis ignores a pretty huge fact. 4 of 5 losses came against the same team that eventually went to the Super Bowl and won it 3X.
That same team that gets the preponderance of refs calls. So you're up against a very good team that also gets bailed out by the officials a lot.
Everyone thinks they found the "DaVinci Code" that unlocks the secret of winning. In reality games are won and lost on a handful of plays. A dropped pass, a bad penalty, a bad penalty that wasn't even a penalty, a missed kick. One play can lose you any game.
The secret of winning is 1) execute, 2) don't beat yourself, 3) hope the refs don't screw you.