Interesting. Does that index include the transfer portal? I have a hard time believing the talent is that bad when you add King, bolden and Philips. I agree that the talent before the transfers was second tier. Although let's not act like 17th is hugely under talented. A good coach can win with that kind of talent.
It appears that they include transfers.
2020 College Football Team Talent Composite
In order to create the most comprehensive Team Recruiting Ranking without any notion of bias, 247Sports Team Recruiting Ranking is solely based on the 247Sports Composite Rating.
247sports.com
I agree being top 25 in talent with top 25 coaching gives a team a fighting shot, and Miami could be closer to top 10-15 in talent than 20-25. But these top 5 teams recruit on a level that Miami isn’t at today and hasn’t been at in a long time.