It certainly looks like overly complex. The simplest system, that is, airbags, are unusable because of the size (it's almost like the difference between a big toy car and a regular car)
You probably can't brake it only with retrorockets, and as this mission is aiming to be the most precise landing on Mars ever (and I'm not even sorry for the pun) they need a way to get the lander to an exact location (by deploying it from the crane)
I'd compare it to Cassini-Huygens, more than Spirit and Opportunity.
I think the airbag relies considerably more on good luck. You can't really model collisions the way you can a descent on a cable. The latter is 100% engineered.
NASA has an excellent and free ebook, _When Biospheres Collide_ [1], which goes into great detail about the problems posed by biological contamination (both forward and back). The book dedicates a long chapter to the great lengths taken with the Viking landers to avoid contamination problems. Having read it, I'm not at all surprised NASA is giving alternatives a try.
[1]: http://www.nasa.gov/connect/ebooks/when_biospheres_collide_d...
Also If it can drive why does it matter what happens to the landing site?
As for driving, the other commenters have it right: Curiosity isn't particularly fast and it's nice to start the scientific experiments sooner, rather than later. Moreover, driving around consumes limited electrical power which has to be shared with all the other systems on board, including transmitters and scientific instruments. Every minute spent moving from place to place is a minute of reduced data collection.
The point is that, within a couple of hours, you can drive beyond the contamination radius. And, over the span of the mission, you most certainly will.
Do you have a reference to the contamination rationale playing a role for the choice of a crane for MSL? Because I have not heard that mentioned.