Suppose Army didn?t get blown out by Notre Dame, still lost but it was competitive. Would you have put them in? How competitive would they need to be in order to get in, lose by 1 TD, 2TDs?
Army?s strength of schedule ranks 119 out of 134.
In my opinion with a schedule strength that low, you?d need to go undefeated or lose that game to Notre Dame by a field goal like SMU did to Clemson.
For context, of the teams that did make the playoffs, the lowest strength of schedule was Boise St. at 78 and Indiana at 67. Alabama had the 9th toughest schedule in all of college football
Ironically, if Army had beaten ND their strength of schedule would be even worse. Presumably ND would be out of the playoffs with a lower ranking making Army?s win less impressive. It?s almost a no win situation if ur a team outside of the BigTen/SEC/ACC.
Personally, I hate that over half the playoffs is dominated by 2 conferences. If there is a 1 loss team out there that goes undefeated in their conference, I don?t think a 3 loss team should get in over them, especially if that 3 loss team?s conference is already over represented. I see where playing an extra conference championship game complicates this tho.
I know I?m climbing an Everest sized hill on a horse that?s been beaten to death but, strength of schedule is a self fulfilling loop. The teams that are given favorable ranking on paper will always get the benefit of the doubt and continue to have a strong strength of schedule bc either the teams they lose to will have their ranking rise or the teams they beat will have their own strength of schedule rise effectively always giving the teams w an initial favorable ranking and initial strength of schedule a leg up. College football will always be an elitist sport of have and have nots if u only let small successful programs join the playoffs if they are near perfect.
That being said, I understand your rationale and it?s fair under this weighted, biased system. Personally I?d rather see some more overachieving underdogs represented instead of underachieving front runners, esp in a 12 team playoff.