While your penalty stat is true in the long run, I think it had a far bigger role in the two road losses. There are hidden yards (plays called back). MM estimated it was over 300yards in the Detroit game, That is almost impossible to overcome.
Detroit would not have played the same way had we hit a few FGs. Our stats are inflated after playing from so far behind.
We need to start faster, cut down the penalties, and yes, at least break even in turnovers.