Eye,
I would like to agree with you on what you said, but I can't do so on all of it. It's all in the eye of the beholder, and from my perspective, I have been watching a coach fail with superior talent. Last year does not stand alone, it stands as part of a body of work, and it's been bad, based on available talent.
Giving a pass for last year's defense is fine, if you'd like, but that doesn't account for all the years the defense has been just as bad. The injury excuse can be offered by every team, because they have them. You either have someone prepared to step up and be the next man, or you've failed as a coach to get them prepared. Our defensive players were not prepared, and that was obvious. Blown assignments accounted for long TDs, and the inability to distinguish who had responsibility for outside containment on runs was a disaster. Add in the fact that second year players showed little advancement in reading responsibilities, and I think it was a disaster. As far as schemes, we ended up "showing our intent" on defense, simply because of the personnel on the field. Teams constantly changed up and explored our weaknesses because of it. We essentially ended up playing a nickel package more often than our base defense, so it wasn't a 3-4, it was a 3-3, with 5 DBs. We surrendered first downs on third downs we should have made stops, because of this failure to disguise our intents. We had too many "specialists," and the opponents recognized our personnel packages and responded accordingly.
On offense, McCarthy and his staff became creative only after there was a leak to the press that some offensive players were less than happy about the vanilla offense they were running. McCarthy got mad, and it got him creative. Does that make him a good coach? Nope! He should have been creative all along. The offense just isn't the same after the loss of a couple of his offensive assistants who kept the creative juices flowing on that side of the ball.