I didn't mind the decision much but Harbaugh had to factor in the ability of the Cowboys to score twice in the time permitted. Teams with effective offenses going against the niners are always going to have pretty good chances of putting up 2 scores with that much time left on the clock.
It may have been the right decision to make but I do hate the "playing not to lose" mentality. I am happy it was a close game. Close games against good opponents are a step in the right direction. I'm actually enjoying watching the offense!