If ND played Florida's schedule, they might easily have 3 losses, or even 4.
I think SEC teams have a late-season dip, because the crushing schedule catches up with you. Florida, and Bama, have both been playing a bit off-peak for the previous 2 weeks, but both look like a return to form this weekend.
I very much doubt ND could beat Florida right now, or even SC, LSU or aTm, and these teams are not even in the SEC championship game.
As mentioned elsewhere, the SEC elite is its own fortified megacity, practically impenetrable, that no-one else has managed to pierce this year. When it comes to championship games, I would as soon play absolutely anybody other than an SEC team.