I knew Texas would win. They have one of the biggest fanbases in college football. The fact that they were playing only 75 miles from their campus was a big part of their win last night. Of course there have also been teams who weren't helped by playing close to home (or in one case, at home). Louisiana-Lafayette and UCF both made the most of their short travel distances, ULM, UCLA and San Diego State did not.
Vanderbilt plays what amounts to a 7th home game tomorrow. They have proven to be pretty dangerous at home this year - they have 4 home wins, and one of their 2 home losses was only by 4 points. And of course they're playing in a larger stadium, but when the fans do come they can be very distracting to the visiting team.
EDIT: Well the Bears aren't in despite 10 wins. I may hate the Bears as a Packer fan, but as a Browns fan I feel bad for them. The Browns were in this position 5 years ago, and haven't recovered since. I think the NFL should now go to 16 playoff teams so as to avoid this in the future. Before you start saying "the NFL shouldn't expand the playoffs", think about this: if it happened to your team, you'd change your views on it.