Since 2021, Baltimore is 9-2-1 ATS as an underdog. Lamar Jackson is having an MVP-type season. Jackson is 19-1 against NFC opponents. The Ravens are one rushing touchdown shy of their franchise-best of 24 running TD's.

So as good as San Francisco is, I'm not turning down this many points with Baltimore.

This may be the game of the year. But as strange as it may sound, this is not a crucial game for the 49ers. San Francisco can lose to Baltimore and still earn the No. 1 NFC seed in the playoffs by winning its final two games. Those games are against the 4-11 Commanders and Rams at home.

My handicap is based almost entirely on being pro-Ravens rather than anti-49ers. But San Francisco did give up 234 rushing yards to the Cardinals last week. The 49ers hadn't allowed that many yards on the ground in six seasons. Perhaps a possible red flag? The Ravens are the No. 1 rushing team in the NFL. They've run for at least 100 yards in 30 straight games.

Both teams have Super Bowl-caliber defenses. The Ravens have surrendered 20 touchdowns, which is the fewest in the league. Baltimore has permitted one touchdown or fewer in nine games. That's by far the best mark in the NFL.

Brock Purdy is a pocket passer. He has outstanding weapons that he utilizes well. Jackson is his own weapon. He's the most mobile quarterback the 49ers have faced and by far the best dual-threat they've seen.