The top teams in these conferences really just dont have enough games against each other for this to happen. There are certain teams that are heavy in still having to play all the who's who, but then there are teams like Ole Miss, UGA, OSU, Oregon and IU that should be able to handle what they have left.
There are 7 almost locks from the SEC/B10 at this point with remaining schedules and several teams from the SEC that if they navigate difficult schedules the rest of the way would be 2 loss teams with better resumes than ND, not to mention the ACC and other possibilities.
Nobody knows what will happen, but ND is far from a lock if they win out even though I think they are without a doubt one of the 12 best teams.