This is probably about right. We had two terrible losses. At home against Boise, and the bowl game against UAB... That said, we have A TON of returning talent, so there's a good chance we'll be solid, but we haven't earned a top 20 spot. Look at the teams in front of us... Are you confident we'd win those games?
There are a handful of them that I think we'd win without question, but 40-21 would be 50/50 games at best.
Best USF, beat Baylor, best Boise... Win, and we won't be 41... Finish 8-4, or 7-5, and guess what? We end somewhere between 40 and 50 either way, so...