Another outsider perspective: I believe that sports fans in general significantly underestimate the magnitude of the impact of random chance on football. Obviously talent and coaching play a huge role, but a lot of good or bad things that happen in a football game or even an entire season are essentially random. If Harbaugh really does consistently overperform his talent (I don't know if that is the case or not), then I would consider him a good coach by definition, even if he has stumbled in the playoffs. Most coaches stumble in the playoffs.
My question to the Raven's fans here is: who in your opinion is actually a BETTER coach than Harbaugh in today's NFL or in the recent past?