There are a lot of mid major teams that will up and beat you if you're not motivated to play. See UCF/Auburn. See Troy/LSU. Honestly, I watched just about the entire Temple vs. UCF game and it was damn entertaining. A lot of speed. A lot of great athletes. Two QB's that AU would probably kill to have...but would most likely ruin.
But as color commentators, Gene Chizik and Dusty Dvorzchkzekak said, UCF's Strength of Schedule is 127th out of 130. And, as entertaining as these two teams were, the trenches are where both these teams would get pimp slapped, having to face Power 5 front 7's week in and week out. Just wouldn't work. As Gene and Dusty said, they could surprise somebody every now and then, but....
At the end of the day, all the commentators had a hand in saying UCF couldn't hang.