Army is there because they are undefeated. They have played a schedule that is weaker than ours by quite a lot. 2 teams with winning records so far. Both 5-4. Zero P4s. Temple, FAU, Rice and UAB might sound familiar.
Add a 1 win Air Force, 3 win Tulsa.
Or look at Tulane. They are ranked 25 in the AP. 8-2. They played 2 P4 games. Guess how many they won. They have figured out the formula too. Win games. They also beat UAB, Temple and Rice.
We are a G 5 team. We will be fine playing 10 G 5 games as long as we go 9-1. Every now and then we’ll pull an upset of a P4. At the end of the day they look at your record. It doesn’t matter who you play.