Let me start by saying I'm not a big Gruden guy, also not high on Dungy.
That being said, I like to look at it like Dungy had his chances and couldn't get it done.(eerily similar to Lovie) Chuckie went in and made the offense productive, which was got the team over the hump. BTW - the genius behind Tampa's defense was Monty Kiffin, not Tony Dungy.