To be blunt FCS is no different FBS in that there's generally 2-3 teams that legitimately have a chance to play for the national championship in any given season. In an occasional season that number goes to 4 or 5.
NDSU's bad game this season gets them a quarterfinal win and another game today.
UND's bad game this season gets them a beatdown against a horrible team and a missed opportunity at a playoff seed and a home game.