I was once in favor of playing $hitty nonconference games instead of good teams (FBS, the Montanas) right away.
With the way the FCS is now though, I think you play as many FBS teams that will schedule you, and the Grizz or the Cats if they'll schedule you too. I'd honestly prefer to start 0-4 playing four FBS teams than Valpo, Drake, fill in the directional school or two.
The little devil on my shoulder that likes to disagree with everything I believe (not my wife surprisingly) says on a day like today, "If you schedule Tennessee State and The Citadel instead of K-State and Montana you are 9-3 and probably ranked in the playoffs, or have a home playoff game."
Or you don't blow it to a team playing with their 3rd QB....IDK...