Re: QB hit + forward incomplete pass = FUMBLE????
I don't know what the rule is, but Phil "D-bag" Simms claims the ball was coming loose before Ben's arm went forward. However, as I saw the replay, the ball was still in his hand. There was no "open hand" in that case.
So....who knows? Guess, like the OP said, depends on the QB and for which team he plays.