No, you're completely missing the point. Regardless of whether we kicked the FG or failed on fourth down, we needed to get a stop and get the ball back. We failed to do that. Seattle's game plan would have been the same. Convert first downs and run clock. By the time we got the ball back, we were stuck on our 7 yard line with no timeouts and only 25 seconds left. We had only moved the ball to the Seattle 49 yard line by the time the clock expired. If McVay kicks the FG, that's still a loss. Your alternate scenario relies on the fantasy of our defense getting a stop it failed to get in real life.
Oh, and by the way, if we had kicked the FG, Seattle almost certainly gets the ball somewhere between the 20 and the 35 yard line, instead of at their own 6 yard line. Given the fact that Seattle punted from our 45 yard line, that means the extra field position would have enabled them to kick a FG, extending their lead to 4. I'm glad McVay had the balls to go for the lead with how poorly our defense was playing. The defense vindicated that decision when they shat the bed.