Kojak,
I'm guessing the EVERYONE feels the same way that you do. Thus, nobody was going to bet NM 2nd half. Thus, the linesmakers shaded the line.
Just my guess, I look for shaded lines and bet them.
Lobos will do anything to get into the endzone, while Utah will be happy to run out the clock as the 4th quarter nears. They probably won't even try to get into the endzone late 4th quarter, unless the game is close, in which case, I've already covered.