I still believe the Chiefs are a talented team, player wise. But a bad headcoach can be very destructive; just look at how the 49ers turned around with Harbaugh after the Singletary debacle. And everybody knows it's difficult to get anywhere with a mediocre QB (see: Browns who are also a talented team, IMO). It wouldn't surprise me to see the Chiefs make some HC/QB changes this coming offseason and be a AFCW title contender next year.
The Chargers just look like they're imploding, though. I hope they keep Norv Turner, but they probably won't. Not now.