I'd say that's accurate - the only experts I trust are those who say you can't trust the polls because it's so tight and so vicious that those people talking to pollsters can't be trusted. Oddly, BBC did remind us that the pollsters pretty much got it wrong in the last two US elections. Clinton looked good to go eight years back. Basically, there are people voting for Trump who hate him but want more of their own money in their own bank account, other die-hard Republicans who can't stand him and will vote against him thinking a defeat now the best outcome for the political values that informed Republicanism before Trump, anyone sympathetic to the Palestinian cause might desert the Democrats because they see them as selling out on this issue (and typically muslims have gone Democrat in the past), and then there's Harris' problem of being largely unknown until the last few weeks.
An absolute melting pot where anything could happen, the nightmare scenario is a Bush/Gore style photo finish that'd tip the country into complete instability, and that could easily happen.