I smell a faint hint of ball watching!
Just kidding (maybe).
I think Nevada has the mechanics of this situation down pat. You have to know who the defenders in your area are. Knowing who your matchups are, at all times, is crucial (and it can add to our credibility, but that is another subject.)
If you think the player took the contact in the torso, I wouldn't split hairs. I think the OP's call was correct.
If the T had such a strong opinion AND the play originated from his area, where was his whistle at? Hmmmmmmm.
Write down "ref the D" 1,000 times..... and then throw it out the window! REF THE MATCHUP! Reffing the matchup does not fit inside reffing the D, but reffing the D does fit inside reffing the matchup, along with other things that will be picked up. It might just be a different thought process for some, but others might literally put "ref the D" into action and miss other things.