That's a erroneous way to look at the quality of a schedule.
A schedule can be challenging in other ways than the amount of "top 10 teams" you play.
For instance, ND plays three ranked teams this year, but the rest of their schedule is total dog turd mostly teams ranked in the bottom 3rd of the FBS.
Georgia will be playing most of their schedule against good SEC teams that are ranked in the top half of the FBS even if those teams aren't "ranked"
The coaches and AP poll are very limited antiquated way of ranking teams anyway so I don't even know why we're discussing these polls.
SP+ preseason projections are the way to go but they are behind ESPN insider paywall now so I can't post them for conversation like i have in years past.