You're wasting your breath 93. I had this same discussion with JSO a year ago and I pointed out then that 1980 was a time when there wasn't really a difference between D2 and I-AA. I also showed him several D2 champs who lost their I-AA games in the year they won the title. North Alabama was a D2 dynasty in the early/mid 90's. It would be like AppSt beating Michigan. Obviously it happened, but both were monumental upsets that are the real outliers.
D2 champs haven't played I-AA teams much. If you go by all D2 playoff teams vs. I-AA teams over any reasonable period whether it's 1978 present or something like 1998 to present the D2 playoff teams are going to have a solid winning record against I-AA/FCS competition. It's a WHOLE lot better than I-AA/FCS playoff teams have done against I-A/FBS.
I went ahead and looked at just D2 champs against I-AA/FCS since 1990 and I only found three games. The results are:
1992 Jacksonville State 0, Georgia Southern (7-4) 10
1992 Jacksonville State 59, Alcorn State (7-4, I-AA playoffs 1st round) 45
1994 North Alabama 14, Youngstown State (14-0-1, I-AA national champ) 17
Looks to me like the D2 champs were very competitive each time. The comparison to App State vs. Michigan is ridiculous. Find me an instance in which a I-AA/FCS squad played an undefeated I-A/FBS national champion down to the wire in a three point loss.
Another thing: Florida Atlantic finished as a top 5 I-AA in 2003. Valdosta State beat them 45-17. Find me an instance in which a team that
finished in the I-A/FBS top five got pistol whipped like that by a I-AA/FCS school.
It's obvious that there is not nearly as much difference between the top of D2 and the top if FCS as there is between the top of FCS and the top of FBS. Proportionately, it is not unusual at ALL for I-AA/FCS teams to lose to playoff caliber D2s.