A 3-loss team playing an SEC schedule should always get the nod over a 2-loss team playing creampuff Big 10, ACC, or Big 12 schedules, and in some cases should be rated higher than 1-loss programs like Indiana and Penn State, who beat no one.
I know everyone is obsessed with Alabama getting in, but the issue is way less about Alabama than it is about the corrupt "committee" insuring that all the big money, high TV ratings schools not only getting in, but in the case of Penn State and either Notre Dame or Alabama getting easy rides to the final four.