My only issue with Baylor getting in is their loss. WVU is not a bad team, but the way they lost is what keeps Baylor out in my mind. I know TCU's only loss was to Baylor, but it was a very close game. If both teams finish with just the one loss, I think TCU gets the nod.
I could see a case for both Baylor and TCU to get in, but we aren't the SEC, so that's not going to happen.