Because they had a number of chances to tie it up, I'm sure we'll hear how the Bears choked, gagged, or some other synonym that means they lost more than the Colts won.

I'd disagree. They played their game. They tried to limit big plays on defense, because they're no longer a great attacking defense without Mike Brown and Tommie Harris. They tried to be a run-oriented offense, and took chances that had a significant probability of backfiring when that didn't pan out. If it looked like they beat themselves, well, that's because they always do. Even when they win.