Are these poll results serious?
Penn State at that point would be either no.1 or no.2 in the country after having beaten both Michigan and Ohio State. Rutgers going in and beating Penn State on the road as probably a 30 point underdog would be the upset of the season and one of the two or three biggest wins in the 109 years of Rutgers football.
Instead, you'd rather crawl to six wins by beating a low-level FCS team, little brother Temple, an impotent Virginia Tech, lowly 3-win Indiana and two schools in crisis with no head coach. Then, drive to Detroit to take on Northern Illinois in a depressing bowl game?
I will note that the original question does suggest an improbable situation. If Penn State was undefeated going into the Rutgers game, that would mean they beat Ohio State and Michigan. A loss would not put them out of the college football playoff. With the wins against Michigan and Ohio State, they'd just need a win against Sparty the next week to clinch the Big Ten East. They'd undoubtedly still be in the playoff unless they lost again. However, the right answer to the question, whether Penn State was undefeated, had one loss or whatever, is clearly beating Penn State.
Penn State at that point would be either no.1 or no.2 in the country after having beaten both Michigan and Ohio State. Rutgers going in and beating Penn State on the road as probably a 30 point underdog would be the upset of the season and one of the two or three biggest wins in the 109 years of Rutgers football.
Instead, you'd rather crawl to six wins by beating a low-level FCS team, little brother Temple, an impotent Virginia Tech, lowly 3-win Indiana and two schools in crisis with no head coach. Then, drive to Detroit to take on Northern Illinois in a depressing bowl game?
I will note that the original question does suggest an improbable situation. If Penn State was undefeated going into the Rutgers game, that would mean they beat Ohio State and Michigan. A loss would not put them out of the college football playoff. With the wins against Michigan and Ohio State, they'd just need a win against Sparty the next week to clinch the Big Ten East. They'd undoubtedly still be in the playoff unless they lost again. However, the right answer to the question, whether Penn State was undefeated, had one loss or whatever, is clearly beating Penn State.