Penn State's defense allowed 4.9 yards per play last season, which ranked 25th nationally. That's good, but calling them the most physical unit by November ignores the proven track record of teams like Georgia, who have finished top five in defensive SP+ for three straight years. Continuity matters, but losing a starting quarterback to the NFL is a massive variable that their system hasn't consistently overcome. Their offense finished 56th in scoring last year, and portal reloads are unproven. The 12-team playoff does favor depth, but their path still goes through Ohio State and Oregon, teams with higher blue-chip talent and more explosive offenses. Calling Indiana a fraud after they won the title is premature, and Penn State's own November struggles against elite competition are a real historical concern.