With the caveat that that team needs to be in the Big Ten or SEC. B1G/SEC teams effectively get handicapped an extra loss (even if their schedule was not in fact all that tough).
In 2025, 10-2 Oklahoma and 10-2 Alabama (even granting the farce of ignoring the SEC title game) got at-large bids. 10-2 Miami only made it because of their marquee win over us. 10-2 Notre Dame and BYU are outside looking in.
Similarly in 2024, 10-2 Ohio State and Tennessee got at-large bids while 10-2 Miami and BYU, without big wins, did not, in fact both finished ranked behind 9-3 Bama.
In other words, scheduling light works for Indiana, Penn State, and SEC teams to the degree they can. They can tune up OOC, drop two conference games, and still make the field. Not so much ACC/Big 12 teams. If they don't win their conference, they need a statement win during the regular season. This is why BYU is playing us. Expect to see more ACC/Big 12 and less B1G/SEC on our schedule unless/until something changes.