I randomly chose an independent school(BTW whose entire scedule is out of conference) and this is what I found. A school that gets to schedule anyone they want only played 1 top 25 team(and they were 23rd)
Notre Dame 09 schedule
@ Stanford L 38-45 Week 13 W 10 O 63.5
Connecticut L 30-33 x Week 12 L -6 O 57.5
@ Pittsburgh L 22-27 Week 11 W 5.5 U 59
Navy L 21-23 Week 10 L -12 U 55.5
Washington State W 40-14 Week 9 L -28 U 62
Boston College W 20-16 Week 8 L -7.5 U 53
Southern California L 27-34 Week 7 W 10 O 50.5
Washington W 37-30 x Week 5 L -12 O 54.5
@ Purdue W 24-21 Week 4 L -6.5 U 59
Michigan State W 33-30 Week 3 L -10.5 O 53.5
@ Michigan L 34-38 Week 2 L -3 O 46
Nevada W 35-0 Week 1 W -14.5 U 63
Not sure I would be stepping into this thread given the schedule above, but since you did I would love to hear your response to the same question I posed to gmorz, do you know more than Jeff Sagarin or is he just wrong? Also would you and gmorz please post some of the schedules that are harder than the ones you say are soft. Since you two know better than sagarin what makes a tough schedule, I am sure you could give us a list of say 5 schedules outside the SEC that are "real" schedules no? Save your homer stuff and put up some facts if its not to much trouble.