In the playoffs, it usually seems the two teams that lose in the semis get their teeth kicked in. Look at what Georgia did to Michigan last year -- made them look very much like Notre Dame in one of those games.Since the BCS era, aside from a few cinderella type seasons by various programs, who has beaten Alabama, OSU, Clemson, or Georgia with any regularity?
My problem with Notre Dame isn't so much they lose these big games, its how badly they lose them. I am truly hopeful it was a HC issue as I've always felt Kelly was a piss poor big game coach. All in all, ND needs to start winning a few of these games against the top tier teams.
I agree with you with Kelly's approach, but I'd say he didn't make any changes for the big games; he just fielded the same old same old, and that's simply not good enough when you are up against top talent and coaching.
As to the original question, about whether saying ND is overrated is, well, overrated, I'd say this upcoming game against Ohio State will tell us a lot. If we truly are #5, we should stay with them, maybe lose by a TD or pull out a close win. But who here wouldn't be surprised if we got blown out by 14-to-24 points? In that case, yeah, I guess you can say we are overrated.