I agreed with everything you said until the last sentence.
UCF could beat them. Would they win every time? Of course not, but they did beat the #1 team from the final week of the season (Auburn). The same Auburn that beat both those teams. So clearly UCF can hang in there with the best from the SEC.
The question is can they hang with the best from the Big10? That we don’t know because the committee/ESPN made sure not to put in the best from the Big10 this year (again).
(last sentence was just a joke)