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I also call Illegal Helmet Contact against the passer as Roughing the Passer. But if you want to read what the rule makers say, they side with KDF5.
2003 Interpretations, Situation 3:
A12 completes a pass, and as he releases the ball, he is tackled by B52, who makes helmet-to-helmet contact. It was not obvious the ball was thrown when B52 made contact. RULING: Illegal personal contact.
It usually doesn't matter one way or the other, except if the pass is complete or the LTG was >15 yards away, it becomes a larger penalty. If you have any doubt, I would definitely say RTP. If the defender lowers his head, I would call RTP as the defender is committing to a personal foul without regards to if the pass will be thrown (i.e. I can no longer judge if the defender had the opportunity to judge if the pass is thrown if he lowers his head).
I certainly would not criticize KDF5 as he is calling the foul by the book.
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