Understood but computer formulas as well as rankings such as Sagarin/Massey/Colleys do use strength of schedule systems that to a degree ignore the name on the front of the jersey.
Beating a 9-3 Navy will carry weight as opposed to a 9-3 North Dakota.
I understand what a loss means but SOS is proving to be a factor in deciding upon CFP participants and with a larger field in play the margins become smaller.
To a certain extent, this is like us arguing what steakhouse is best when we only have enough money to go eat fast food. We haven't gone into the postseason ranked in the top 12 since 2001 (closest we got was 2010 when we were 17th).
However, if we do move back toward being a playoff caliber team or if the playoff expands to 24 teams (which we still have a ways to reach), I don't expect SOS to be a massive factor for us in the first place. SOS within the B1G/SEC is orders of magnitude stronger than ACC/Big XII/Notre Dame. Last season of the top 26 teams in SOS, only two came from outside the B1G/SEC. The other two were Syracuse (19th) and Miami (7th). Nebraska ranked second to last in the B1G, but was still 42nd nationally. Our in-conference schedule was significantly more hospitable than most years. Even still there were only 9 teams that ranked ahead of us outside the B1G/SEC.
The first factor of reaching the playoff is wins. If you don't have those, it doesn't matter what style points you have or your strength of schedule. Wisconsin had the toughest SOS in the nation last year and did anyone give them credit for that? Nope, because they didn't win. Most years, 10 wins is going to be the bar for a team like Nebraska. In years with more parity, maybe you can squeak in with 9 wins and a super tough schedule. For Nebraska, this means you need to pretty much win all your non-conference games or you are going to end up having to upset one or more of the top dogs in the B1G, all while not slipping up to the "easier" teams in conference play.
In 2021, we had the 10th toughest SOS and while we played OU our other two non-cons were Fordham and Buffalo. In 2024, we had the 15th toughest SOS and played CU and then Northern Iowa and UTEP. A lot of our SOS is dependent on in conference schedule draw. Most years, if we finish with a record good enough to be in the conversation for the CFP, we will have had to have picked up some quality wins in conference. Right now, there is a much higher probability of tougher non-con games hurting us than helping us.
If non-conference strength starts becoming more of a driving factor for us, I'd still argue we should just play another power conference team, rather than scheduling a top-tier G5 team. Yes, a 9-3 Navy team gives you a better rating than a 9-3 North Dakota, but a 7-5 Virginia Tech team might give you a better bump than either of those other two. Again, it's balancing risk/reward.