UNC is NOT a good football team, I'm not sure I'd mention them as tough. IMO, CSU and AFA are both better teams.
aTm is a pretty damn good team IMO as well. I see your points though. It's hard. I'm blinded by my hatred of Texas and the fact that Utah is undefeated. The schedule isn't necessarily their fault. It's like Gonzaga in basketball. I think if you're undefeated you should get an automatic BCS bid. Yes, that means Boise State too. You can't blame them when their conference sucks.
Plus, Texas sucks.