Through the third quarter, the Rams executed better than the 9'ers. If Ramsey either catches the pick or his forced fumble doesn't drop fight into McLeod's arms, that game goes the other way.
This team is improving and will make the playoffs.
With that said, McCaffrey was the difference today. He certainly gives them an advantage, but I wouldn't give away next year's draft for a back who is notoriously fragile.