I don't think you're talking about me, but I think they got lucky. UCF had an easy schedule all the way through. They split the two best teams they played, losing to SCar at home, and beating Louisville on the road. Then couldn't even manage to not keep games close against the rest of their crappy schedule.
Riding off of the Big East, this crappy schedule they barely managed to get through has an auto bid to a BCS game. They then luck out and play Baylor in the Fiesta Bowl. Baylor has no defense and by the end of the season wasn't the best the Big XII had to offer. UCF then barley beats Baylor.
Look at the teams that have won BCS games, and pick one that's worse than UCF.