The only people who care about things like that are pollsters, and almost all of them see what they want to see and ignore what they want to. That’s why there are things referred to as “quality losses” by the pundits on TV. In any other sport a loss is a loss, and a win is a win. Nobody gets style points for who they beat or lost to. Nothing you and I can do about that. It’s the worst aspect of college football by a longshot. That’s why we all want a legit playoff. People have been programmed to think opinions should drive the end product. That’s why I’ve always said conference play is all you can control and the rest is out of your hands.
The fact is each team gets a schedule and that’s all you’ve got. You don’t get to swap schedules with people. Conference standings are determined by win/loss record….period. Not what some pollster thinks.
You are right in one aspect. Losing to Navy is worse than losing to Bama because it is a conference game.
If you actually take the time to dig into records of most programs from year-to-year (using final AP poll) here is the basic gist for 90% of programs. A “good” season consists of beating the schlubs on your schedule, go .500 or so against quality opponents and then have a losing record against elite teams. That’ll typically get you 7-9 wins right there. Better programs manage to win all thier schlub games, are above .500 in games against good teams and probably still have a losing record against elite competition. That’ll get you 9-11 wins. When you do all that and have a winning record against elite competition, then you have what we had in 2013 and 2017.