Our record would be worse, but it's hard to say if playing those big 3 teams every year would've meant all losses or if we would've pulled off a few more upsets.
There were some years in the last 10 where we were just flat out better than Michigan, such as 2020, and they lucked out and got covid before they could play us.
We've played Penn State pretty consistently over the last decade so the results speak for themselves.
Ohio State and Michigan State are the two outliers. We'd definitely have more losses, but who's to say we wouldn't have also snagged a win or two more in some of those years we "avoided" them.......
As for Maryland, Indiana, and Rutgers, well I mean is that really any different than playing Illinois, Purdue, Nebraska, Northwestern or Minnesota?.................
I wholeheartedly get the argument behind fans saying we lucked out by being in the West, but I also believe people just throw that out as a blanket statement without any real thought or understanding behind it.