Let me see:
You are playing the #2 in the country, at home, You have it 4th and 7 and their 8 yard line, 4 minutes left, down 7. We can kick a field goal, get within 4 and give them the ball back. Or go for the TD. If we don't get it, we have them on their 8, get a 3 and out and get the ball back. Lets kick it and have a moral victory, lost by 4 (or more)