Just for starters....
Last year in D2/R8 Winton Woods MISSED THE PLAYOFFS at 6-3 after beating eventual D2 Champion LaSalle in week 10. LaSalle went on to have 3 running clock games in the R8 regional games, stomping tomato cans who "had better records" than Winton Woods and thus got better Harbin scores.
That would have NEVER happened in either a coach vote, or a computer with ANY kind of additional logic beyond the dumb "number of wins" against schools weighted by what division they were in as opposed to how good they actually are.
What computer has a far more objective strength of schedule algorithm? Drew50 is an easy example
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And by the way, last year's 5-5 Olentangy team is yet another example. Nearly missed the playoffs due to "points", put a running clock on "8-2" Troy and beat "11-0" Anthony Wayne by 10 in the playoffs.
Records mean ABSOLUTELY NOTHING about how good a team is, unless they are playing teams of similar strength.