FCS Polls After Week 11 agreed. That’s why it is good to start ranked high. You have to work your way out of the top 25. Also I have heard regarding the coaches poll that the coaches don’t vote- it may be the SID or Athletic Directors. And then probably using a ouija board (wait - that would take too much time).
Montana is almost always over-ranked. Part of it is name legacy, probably somewhat due to following/attendance “program” history. If they lose to Montana State (I think they will) they will have 4 league losses, no quality wins - as you noted a crap schedule. No way they should be considered in that eventuality. I think they schedule weak teams on purpose - no need to chase the money with an FBS game. They always seem to have more home than away games - and Missoula provides a definite home field advantage with a packed stadium and fans so close to the field. Man was it sweet to trounce them in 2018.