Another thing to consider is that Urban has a great track record coaching in bowl games and against SEC teams (i.e., teams with fast, athletic defenses). I think sometimes we forget how good of a coach he is. And we know he's great at getting a team ready when they are the major underdog (see Florida, 2006). We'd, of course, be a huge underdog against either Bama or FSU, and I think he'd use that as all kinds of motivation.
I don't want to come across as too much of an OSU/Urban fan boi (even though I am), as it's not like I wouldn't be worried to play Bama or FSU. Would I rather play, say, Indiana for the NC? Of course. I'm just saying that I like our chances against anyone at this point. So, yeah, put us in NCG and let's see what happens.