As for being “glad” you don’t have it . . . I don’t know. If you are afraid you’ll lose that 13th game, maybe you aren’t a championship team anyway. I get what you are saying, and don’t disagree with the idea that sometimes not having it won’t hurt you. ND this year is likely proof, because I think ND is in without it. But ND will be at a big disadvantage down the road if ND is one of multiple one-loss teams and ND is sitting at home while the others are playing in championship games. I just wish there was some way to mitigate that. Especially since I think ND/Kelly 2.0 has a chance to be in the mix frequently going forward.