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Those margins look small, but in realty, a 0.02 difference between P5 conferences is really huge in terms of what it will do your quality win opportunities. The Big Ten/P12 are basically perceived at the same level as the American this year... not the other power conferences. So yes the Big 10 is that bad.
And I have found 2 historical teams that did not get in at 13-5 (or something resembling it)
In 2012, Oregon did not get in at 13-5. In 2011, Alabama did not get in at 12-4.
Conference RPI (which is largely determined by December 31) drives the entire selection process. The top 4 conferences get a ton of quad 1 win opportunities by simply beating up on each other -- this year the SEC and the B12 are really benefiting from it.
(I know you hate that, but don't shoot the messenger. It doesn't mean I fully agree with it either, but if I am going to explain what teams I think are getting in, it has to be on the current criteria and not what I think the criteria should be).