Not as crazy as it sounds. Not uncommon for B1G to have three teams in NY6.
If we assume OSU wins out, that would be
OSU (12-1) B1G champ
MSU (10-2) with win over UM, losses to PSU and OSU
PSU (9-3) with wins over MSU and UM, loss to OSU
UM (9-3) with losses to all three
In that scenario, UM is definitely out. An argument could be made for PSU over MSU because of head to head plus MSU’s best win would be a win PSU shares.
You are mostly correct. Four out of seven years, the B10 had 3 or more teams. The caveat to that is they all were in the top 12 CFP Rankings which is what the NY6 follows to fill the slots.
2014 - 2 B10 teams (OSU in playoff, #8 MSU was 10-2)
2015 - 3 B10 teams (MSU in playoff, #5 Iowa in Rose as replacement, and #7 OSU at 11-1)
2016 - 4 B10 teams (OSU in playoff, #5 PSU in Rose as B10 champ, #6 Mich at 10-2 and #8 WIscy at 10-3 were at large picks)
2017 - 3 B10 teams (#5 OSU was B10 champ, #6 Wisc at 12-1 and #9 PSU 10-2 were at large picks)
2018 - 2 B10 teams (#6 OSU as B10 champ and #7 Mich as 10-2)
2019 - 3 B10 teams (OSU in playoff, #8 Wisc at 10-3 in Rose as replacement, and #10 PSU at 10-2 was an at large)
2020 - 1 B10 team (OSU in playoff) Indiana got screwed as they were #11 but because ACC had Clemson in the playoff, the Orange Bowl get an ACC replacement pick and had to take #13 UNC).
Outside of the 10-3 Wisc in 2016 and 2019, no other 3 loss B10 has been in the NY6 and those two Wisc teams took their 3rd loss in the B10 champ game. Here are the teams with 3+ losses who made a NY6 bowl:
- 2014 - #9 Ole Miss (9-3) - at large
- 2014 - #10 Arizona (10-3) took their 3rd loss in P12 champ game - highest ranked P12 replacement team as Oregon made the playoff
- 2014 - #12 Georgia Tech (10-3) - took their 3rd loss in ACC champ game - highest ranked ACC replacement team as Oregon made the playoff
- 2015 - #12 Ole Miss (9-3) - highest ranked SEC replacement with Alabama in playoff
- 2016 - #11 FSU (9-3) - highest ranked ACC team with Clemson in playoff
- 2016 - #8 Wisconsin (see above)
- 2016 - #9 USC (9-3) - highest ranked P12 team with Washington in playoff
- 2016 - #14 Auburn (8-4) - highest ranked SEC team with Alabama in playoff
- 2017 - #7 Auburn (10-3) - Took 3rd loss in SEC champ game - at large
- 2018 - #10 Florida (9-3) - at large
- 2018 - #11 LSU (9-3) - at large
- 2018 - #15 Texas (9-4) - 4th loss in B12 champ game and was the highest ranked B12 team with Oklahoma in playoff
- 2018 - #9 Washington (10-3) - P12 champion
- 2019 - #24 Virginia (9-4) - 4th loss in ACC champ game and highest ranked ACC team with Clemson in playoff
- 2019 - #8 Wisconsin (see above)
So yes a 9-3 record could get you an at large bid but not sure any of them took as a bad a loss as the ILL game. It also means other conferences had down years to allow for these teams to move up. If Auburn and Wisc run the table (but don't win conference championships) and PSU wins out, maybe it happens but it is rare.