I agree with you. The internals of the NBC/WSJ poll looks good for McCain as well.
The sample in NBC/WSJ is 82% white, this is way too high (76% would be quite good for McCain).
If I had to guess, McCain is down by 6 or 7 right now, and will not get any closer till the Dow stabilizes, and preferably above the 10000 mark, not below it.