I think you are both correct, but competitive losses is well below in priority and would only come into play as a deciding factor in the event of a tie (and that is not official). I mean we could have beaten ILS and lost a close game to Ohio State and we would still be out. Too many losses. There is a point where who cares about how close the losses were, a loss is a loss...is a loss.
As to adding a stud Qb I could not be more against anything & trust only Montgomery's recruiting at that position. If Bo wants a different style QB, I have every confidence that coach Shane can find a person. When is the last time you ever heard of Delaware? A couple of stud Qb recruits with "keys to the city", deep play-off runs, NFL drafts, the NCAA begins to "sniff around" and then all of your other recruiting practices come under suspicion as well. Then YSU is not competitive because we lack any talent.