When looking at MVFC teams, it gets tricky. they are almost certainly going to lose to NDSU. many play an FBS game, and suddenly they are already looking at two likely losses right off the bat.
I don't think anyone less than 8-3 should be in the playoffs though. 6-5, 7-4 is not any good. reduce the size of the field if necessary. making the playoffs should be an accomplishment.