JustChip
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what is the score? are we talking low scoring game to this point? are teams having a hard time moving the ball in a defensive battle? or his is a high scoring game where neither team seems to be able to slow the other team down? That would make a difference to me.
The knee-jerk would be to go for it in your later scenario, but even in that scenario, it makes sense to kick the field goal to take the lead. Let's say you go for it and don't get it; since you've not been able to stop the other team, it's likely they'll drive the length and score and now you're behind and have to score to tie (if they scored a TD). If you kick the field goal, even if the other team then scores a TD, you win the game with a TD on the final possession.
I guess I liken it to going for a 2 point conversion to win rather than 1 point to force overtime after scoring on the last play of the game. I can't say there would never be a scenario where I wouldn't go for the 2 points, but as a general rule, I'm not risking the game on 1 single play after fighting for 60 minutes. In that vane, I would almost always kick the field goal to force the other team to score to win.