How many 4th quarters did he play in? 3? Houston, UTSA, and Coastal?
Strength of schedule is a lazy argument. Jaren's schedule is harder, but Zach absolutely destroyed his schedule. Don't penalize Zach (or fail to appreciate the greatness of his 2020 season) for things that are outside of his control.
Zach made very few mistakes in 2020. We may likely never have a QB with pin-point downfield accuracy like him ever again.