I think that if you are going to hire a college coach, at least hire one with a proven winning record at a major program. I think this has as much to do with the familiarity of the Upstate New York area more than anything else.
As far as the Bears go, I think they are looking to get a truly offensive minded coach who can help Cutler out. Which will probably rule out Cowher and Dungy. They might end up dipping into the college waters as well. I truly don't see a major market team such as Chicago going for another team's offensive coordinator to be their coach.
Now, as far as college coaches go with an offensive based mindset, I have one in mind, but I don't think he would leave after 1 year.
Urban Meyer
I get the idea of hiring an offensive mind - likely would come down to an OC, imo - to help Cutler develop but they could that by hiring the right OC to replace Tice or QB coach. Just don't agree that one has to "gamble" with the HC position as even a great offensive mind may well be an average HC. The HC position has much more to do with being a good organizer, strategist, leader, etc ... it's about being able to put a team together (not just players but coaching personnel too) and make it work not just come up with a fancier play-book for the QB, which is what the right OC and QB coach should be able to do anyway.
That's why I think the Bears are playing with fire by looking at some pretty obscure and unproven names, most if not all of them current or former OCs, while forgoing top-drawer coaches, who I can imagine would be attracted by the opportunity to go back to NFL with the Bears ... I mean it's not like a more attractive coaching position is likely to open up somewhere else anytime soon. All in all, hiring a defensive mind like say Cowher doesn't have to be at odds with Cutler's development as he's shown he has the know-how of putting a team together, including hiring a proper OC as part of the system.
But yeah, I agree with Meyer being a good fit ... not because he is an offensive mind, though, but because he's proven to be a great HC, at least at the college level. Same goes for Saban, imo, who quite a few seem to doubt can repeat his college-level success in the NFL given his unsuccessful stint at Miami but then again, Belichick didn't exactly set the wolrd on fire with the Browns either - smart people do learn and make adjustments, after all.