From a Ravens fan, reasons Niners lost:
1. Disappeared in the 1st half. That put too much pressure on your offense, which they nearly overcame, but that was too much to expect them to overcome.
2. Your inadequate pass coverage/lack of pass rush. Flacco was hitting you hard down the field.
Other than that, the Niners came to play. Yes, there were penalties that weren't called, but that happened consistently the whole game, you knew the refs were going to hold their whistles in this type of game as they always have, and you only remember the instances where your team failed to make the play.
49ers are well positioned to win a Super Bowl soon. Could even be '13.