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I am going off what I have heard "BCS guys" who do the projections say and that is that Iowa doesn't beat out USC at the end of the year even if they do go unbeaten.
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It's hard to project what happens in those games. If USC wins a couple close games at home against weak teams and Iowa dominates Ohio State in the Horseshoe it's hard to say what the voters do.
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Of course there are some teams in which every game matters, but there are just as many in which going undefeated means nothing at all so a loss really isn't that big of a deal.
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So it's better to have a playoff system where not only does that loss not matter, but the team can afford 2 more and still find their way in.
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Nope the way it works now is that the only way to guarantee a spot in the title game is to go undefeated and hope that you are ranked 1 or 2 in the polls. There have been enough undefeated teams left out by now to show that an undefeated season isn't enough.
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There's been one.