Yes, I do in some instances.

If we're talking about a Notre Dame team where there are genuine doubts about their ceiling, then I agree with what you're saying. But I think there have been other instances where the best team gets upset by the 2nd best team, who lost to the 3rd place team; and the tiebreaker goes to the 2nd best team.

One example of that is 2017 SEC West. Alabama got upset by Auburn, and Auburn got upset by LSU. Alabama and Auburn both had high ceilings, but I thought Alabama was the better team because I didn't think they were capable of getting upset by a team of LSU's caliber.