would be 2021 where BYU was 10-2 and was ranked AHEAD of the likes of the following team
10-3 Oregon
10-3 Iowa
10-2 Oklahoma
10-3 Wake Forest
9-3 NC State
9-3 Clemson
9-3 Kentucky

There were exactly 0 teams with 9 wins or fewer ranked ahead of that 10-win BYU team. And we're talking about a 10-2 BYU team that season - not even an 11-win team like you are trying to argue against the likelihood of making it in. You can't really compare 2020 due to the wonky and uneven schedules due to Coved, and they've never had double-digit wins any other season since the CFB playoff began.