I wish the Niners won, but Mahomes is just too good. That's all I can say. There were a few luck-of-the-draw moments, especially with that muffed punt, that changed the tide completely, but pretty much all SBs have something like that. I liked that there wasn't a lot of penalty flags either.
I wouldn't call that a muffed punt; the ball caromed off a blocker's ankle and force the returner to try to field the ball. Maybe he could have done better, but it wasn't his fault. It's notable that the Chiefs recovered 6 of 7 fumbles, which is just terrific luck. When Pacheco mishandled the pitch back, he picked up the football right before the defender tackled him for a big loss. Usually players are taught to just jump on a fumbled ball because it's very hard to scoop it up as opponents are crashing towards you.
I don't think Shanahan necessarily called a bad game (ESPN's Bill Barnwell didn't think so). CMC ended up with good stats but what I saw was a running game that was barely better than the Chiefs' bad one. It's far from obvious to me that if you pounded the rock, they would have won the game. The main difference between the first half and second half was the Niners 4-man rush was no longer dominating; so Steve Wilks started to blitz and Mahomes went 5/5 against the blitz. Also, nobody could have predicted designed run plays for Mahomes so there was no game plan for it. Despite all the post-game groaning, Shanahan also explained why they wanted the ball to start overtime.
Finally, an XP should never be blocked. Although we don't know how the game plays out if the Niners had a 4 point lead, Moody fucked up by kicking the ball low. I'm not going to sit here and blame him for the L, but we all know it was an important miss that Romo (or Nantz) mentioned immediately. It's hard as fuck to beat Mahomes, and you want to force him to go the whole field rather than half of it.