I've conceded a game in head to head finals once.
I was down over 200 million heading into ball 3 on Family Guy in the first of a best of 3. Just saw no point in wasting time and energy trying to chase down such a massive score.
I also prefer head to head play in finals. I find it much more exciting as a player, and far easier to follow for a spectator knowing someone is 2-0 up or 2-1, etc. rather than trying to work out the combinations of pts for all players in a 4 way final.