I too thought bringing in a guard, Tavari, to handle the pressure late was a good idea, until it wasn't. I'd have switched him out for Thornton quickly given his experience and assist to turnover ratio over his career.
I'll give Toledo credit. They are scrappy as hell and their speed and dribble penetration can kill you.
The Zips just need to stop any kind of celebration to try that can result in the petty technicals. It's obvious that it has been made a point of emphasis for the MAC refs and while it's clearly not being applied consistently, they just need to redirect the energy before it makes a huge difference in an outcome.