Florida Gators coach Billy Napier would likely dial back a handful of plays and decisions that proved crucial in Saturday night's 23-17 overtime loss at Tennessee.

His two short yardage calls with Eugene Wilson III (Sales at Downs) and Graham Mertz (Fumble at the 1) and his game management at the end of the first half stand out.

However, his flip-flop after Florida's touchdown late in the fourth quarter might be Napier's most regrettable move in a game his team had no business losing.

Although he missed several appearances in the red zone, blew the lead in the second half and repeatedly faltered after losses on offense Graham Mertz And Montreal Johnson Jr., UF still had a chance to win in the end.

Down 17-10 with 2:31 left in regulation, quarterback DJ Lagway regrouped on Florida's final drive and threw a 27-yard touchdown pass Chimere Dike on third-and-19 to make it a one-point game.

But instead of sending the PAT unit to score the equalizer, Napier kept his offense on the field and scored two goals with 34 seconds left in the game – the go-ahead goal. And he even chose a trick play formation.

After showing a regular look, all of UF's linemen ran the running back wide Ja'Kobi Jacksontight end Hayden Hansen lined up in the middle, with Lagway in shotgun and three receivers to his right.

Time out Tennessee.

Call it cold feet, fake pumps or indecision, but for some reason Napier changed his mind during the commercial break and sent in kickers Trey Smack for the game-winning extra point.

After the game, the first question was whether he reversed course in that sequence.

“We had a play that we felt good about and then obviously they burned their timeout and I think we felt from the start that we were playing pretty well on both sides of our team at that point,” said Napier.

“So we thought, 'Let's play overtime.' Let's give our guys a chance to make a few more plays.' We held our own defensively. I wasn’t quite ready for that at the time.”

Bad move.

Instead of going for the win, Florida played an overtime game that backfired. Smack missed a 47-yard attempt, although it was inconsequential as the Vols scored a game-winning touchdown five plays later.

And it's true that UF's defense played well before the game-winning drive, forcing back-to-back three-and-outs, but the offense's previous three fourth-quarter possessions yielded just 4 total yards on 10 plays.

When a true freshman quarterback is on the road and on the ropes as an underdog against the No. 8 team in the country, why not use the momentum of Lagway's TD pass and try to end the game on the spot?

If Tennessee coach Josh Heupel ready to go for it on fourth-and-1 from his own 10-yard line, Napier should have stuck to his guns and made the trick play – or any two-point play. You can't make money because you're afraid of money.