I hear this argument all the time. It doesn't mean a thing to me. Coulda, shoulda, woulda, that's about what it amounts up to. "Well if ND didn't have turnovers they would have beat Michigan," Well if Michigan didn't have a ton of turnovers, they would have just smashed ND, UM had the ball intercepted in the end zone for a touchback in the 4th quarter.
Turnover argument means nothing. If a team is a better team they are going to win, regardless.