Sharpen getting hurt didn't help Baylor. Baylor ended up scoring on the drive Shapen got hurt to put Baylor up 31-24.That was one exciting game but likely lost when Baylor's QB, Shapen, was knocked out by WVU targeting. Still both defenses were pretty leaky by ISU standards.
So I would put the loss on Baylor defense. They play ok the last 20 minutes, Baylor wins.
The game just shows how good the Big12 is this year, there might not be a team outside the top 40.