I know this is somewhat backwards logic, but it's important anyway.
Chargers' record against teams that currently have winning records: 1-4
Chargers' record against everyone else: 5-0
The St. Louis Rams do not currently have a winning record.
The San Diego Chargers have a history of getting into this situation, situations where they need to play their best football at the end of November and December to even have a chance of making the playoffs, and more often than not they find a way.
Last season they won 5 of their last 6 games to get into the playoffs.
In 2012, the Chargers almost solved Norv's job by winning 3 of their last 4 games.
In 2011, they won 4 of their last 5 games.
In 2010, they won 7 of their last 9 after starting the season 2-5.
At this point, it almost makes more sense to bet on the Chargers have a late-season string of wins than falling apart completely. This would be the time for San Diego to turn it on, and history says that they will.
Shaun Hill in 34 years old, a journeyman backup QB, and not very good.
Outside of one good half-season with the 49ers, when Hill went 5-3 with a great defense and running game, Hill's career record is 9-11.
Hill occasionally has a good game but usually can't put them back-to-back. With a rejuvenated San Diego Chargers defense, with the return of healthy players like Melvin Ingram, Jerry Attaochu, and Manti Te'o, San Diego should be able to take advantage of the opportunities Hill gives them for turnovers. That will be the key to the game.