Notre Dame suffered those losses but still had the player personnel to make it work. They still have a physical 6-4 Shepard inside to make up for Turner, and Mabrey has been outstanding as PG after a rocky start. Different roster makeup than Mississippi State, so you can't equate losing Turner to losing McCowan. ND had Shepard cleared, while if Mississippi State lost McCowan, they'd have no one close to Shepard's caliber to replace her.
Moreover, if Muffet didn't have any top 20 recruits on her roster, would she have guided her team to a 36-1 record? It works both ways.
Schaefer's team has 0 top 20 recruits on the roster and they're 36-1 and dominated a good SEC conference this year. Notre Dame is short on players and Muffet has done a heck of a job, perhaps her best coaching effort yet, but Shepard/Young/Ogunbowale were all top 10 players coming out of HS, Westbeld and Mabrey in the 15-30 range IIRC. I wouldn't be upset if Muffet wins most of the COY awards, but I think hands down the award should go to Schaefer.