One thing video games never quite perfected was the ranking system. There is no universe in which a 7-0 Iowa State team is ranked ahead of 7-1 Alabama, Georgia, Clemson, and Oklahoma in 2020.
Yes, undefeated teams do start to really hop up the rankings if they're non-helmets, late in the year (as long as they're P5 programs).
But they still have a ceiling between 8-12 until the last week or two of the season, and even then, their shot at top-5 is rough at best.
Of course, if everyone loses (a la 2007), all bets are off.