If you are Independent, and you lose one game, you are a real long shot to make the playoffs. And winning your conference is not the point. The point is whether not conference games make for a tougher schedule, i.e.: harder to win games.
Can we all agree that the SEC and Big 10 champs will always get a Playoff berth and that ND will be competing against the other P5 champs? Even if Iowa wins, they will take Ohio State's place. In either of those conferences, their conference champ can get a bye with a comparatively weak schedule like Iowa.
Plus, if the Pac 12 and ACC conference champs are undefeated, they are in.
Oklahoma seems to me to be like Ohio State was last year with an difficult to explain early season loss and finishing strong. They were in. Oklahoma winning out will be in, too.
We have to be undefeated. Even a last second loss to a top four team will not matter. With one loss, we are on the outside, looking in.
The only way we are in this year is if we win out, North Carolina beats Clemson, plus the chaos scenarios in the Big 12.
We need to accept it and move on, right?