pretty hard to put in an OU or Clemson with a loss over an undefeated Badger team
I don't think so. Are you putting an undefeated UCF in the playoff then?
Why not? Because they haven't beaten anyone of note. OU has beaten both OSU's on the road and TCU at home. Wisconsin has no wins better than any of those 3, as of right now their best win is an unranked Iowa squad that probably finishes 8-4.
Clemson beat Auburn, Va Tech was probably a little too hyped up, but still a huge quality win vs the Tigers.
If I'm on the committee, I would have no issue voting OU or Clemson in as of right now. Now if Wisconsin goes on to beat UM and OSU, it'd get closer, but Clemson would have wins over Auburn and Miami (FL), OU would have wins over 2 OSU's, TCU twice, Wisconsin still can't touch that.
losses are overblown, they gotta count yes, but a team that challenges itself OOC should be rewarded for BIG wins, not overly penalized if they lose a game somewhere if they secure those BIG wins. How many teams would be undefeated with Wisconsin's current 10 game schedule? I'm guessing at least 10.