Unranked Iowa's blowout of Ohio State made Oklahoma's one quality win seem like nothing special after all. If Ohio State was still humming top 5 with only 1 loss, OU would still have a very impressive win. Can't explain Clemson, but I'm pretty sure you can exclude a week 8 game finally having an effect on rankings in week 13. Clemson was dominant in their game this weekend. There is no reason to justify us jumping them other than the committee finally coming to grips with the fact that we should have been ahead of them from the start.
But while I'm explaining things, you asked for the scenario that would have POSSIBLY kept an undefeated Miami team out of the top 4. Keep in mind that this was presented during the initial CFP rankings in opposition to hockey guy's suggestion that rankings don't matter, and all we needed to do was win.
#1 UGA wins out. Big blow out at Auburn, mud stomp SCar, Kentucky, and Ga Tech. Beat Bama on in the SECCG by <3 points.
#2 Bama wins out. More impressive domination of Auburn, humiliate Miss St., and loose a nail-biter to UGA in the SECCG.
#3 Notre Dame loses a close one to us but also loses to Navy and gets embarrassed by Stanford.
#4 Clemson loses to NC State and SCar. Does not make ACCCG
#5 OU wins out, dominating
#1 1 OSU, and
#6 TCU along the way, beating TCU once again in boring Big12 CG
#6 Ohio State wins out and blows out Wiscy in B1GCG
#7 PSU wins out. Misses B1GCG at 11-1.
#8 TCU only loses twice to Oklahoma
#9 Wiscy wins out in dominant fashion, but loses big in the B1GCG
#1 0 Miami continues it's streak of nail-biting victories against VaTech who loses out, ND who loses out, Virginia, and Pitt. Then play a 9-3 NC State, coming fresh off a loss to UNC, in the ACCCG, and yes, barely squeaking by.
With that scenario Miami would have zero big wins and could have easily been ranked 6-7 remaining behind UGA, OU, Bama, Ohio State, Penn State, and maybe getting passed Pac12 champ Washington should they win out with dominant victories over Stanford and USC and finish 11-1.
Nobody ever said that scenario was going to happen or that it was likely to happen. Only that it could happen, and that ever so slim possibility was why being ranked 10th mattered.