All good points, but it's not only about mental attitude and taking your chances, is it. (I am not discounting it, not at all, just saying there's more to it.)
The other bit is the style of play. Despite the various pundits swooning over how Pep does things so differently and is so innovative in the way he sets his teams up, in some ways, he's the opposite: he's very fixed in the way he likes his teams to play and how he likes them to defend.
Invariably, Pep's belief is that the best form of offence is attack. He wants the ball, all the time and when we lose it, he wants it back as quickly as possible. He's never happy to let the opponents have the ball. His teams press, high up the pitch all the time. We often see 10 City players in the opposition's half. We defend set pieces incredibly high up the pitch.
These are all fine tactics for 30+ PL games a season, maybe even for 38. But it's risky and it leaves us wide open if we make any balls up. And of course sometimes we do make balls ups. Walker or Mendy will fall over and lose possession, or KDB will try a killer pass that goes straight to an attacking opponent. Normally we get away with it, but against the top, top teams we sometimes don't.
This epitomises what happened at Liverpool away last year and against Spurs at home this year. A couple of moments of madness/ brainfarts and we've conceded a goal, or two, or three.
I'm not suggesting we should change how we play, because it's exciting, great to watch, brilliant football. But it's not *pragmatic* football. Pep doesn't do pragmatic much.