True, but to be fair that Tulsa team was better than usual, and they were coached by Todd Graham who has had Kelly's number. Some coaches just have an advantage over others, look at how Kelly has dominated Dantonio? One loss in four meetings I think, with the one loss coming on a flukey fake FG where officials missed two penalties. One of those MSU teams that was beaten went on to win the Rose Bowl too, and they lost to a Tommy led offense.
As far as Navy, I think we can let that one go. It was one loss, in Kelly's first year, and the loss was every bit as much Diaco's fault as it was Kelly's, if not more so. While we've had a few close games with them in two other years, we still found a way to win. It's not like this is our father's Navy team either, they will hang with just about anyone in most years.
Both those losses were in Kelly's first year. The team is much better now than they were back then. Better processes are in place, we're getting better recruits, development is at a high level, and confidence is booming. I would point to this past year and look at how the team persevered despite the injuries. I seriously doubt Stoops would have done better given the circumstances.