I maintain Fulmer should have won 2 - 1996 and 1998.
In 1995, our only loss was to Florida, but Florida got beat 62-24 by Nebraska in the title game that year. Perhaps Nebraska was just too good. In 1997, we actually did have a shot at the title in the last game of the year, but were dominated by Nebraska. Again, maybe they were just too good that year. In 2001, we absolutely should have been in the title game, but I think Miami might have just been too good. That leaves 1996 and 1998.
Maybe the more frustrating thing is the number of additional SEC titles we could/should have won. That goes for the same years we've been discussing - 1995-98, and 2001. Could have been 5 in 7 years, and absolutely should have been 3 in a 5 year span (1997, 1998, and 2001).