I have a LOT on Miami to playoff, so I am obviously biased, but I think they got it right
I don't think it makes sense to anchor super hard to the on-field ruling when the guy who made the call on the field obviously had no idea what was going on and was just forced to make a random decision
I don't like Miami obv, but I'd say there's pretty clearly almost no chance it's a catch. 75% of the players involved are laying OOB and if even one of them has at least a fingertip on the ball, then the play is dead there.