I knew this is more how you think about the situation, you just needed me to talk you back from the ledge of saying KF keeps the better players on the bench.
I will say that I don't agree that playing Banks in '01 leads to any more wins. That team was a year away. Same with '14, while I do think CJ should have been starting, I'm not convinced he was gonna beat Nebraska (special teams lost that game) or Wisconsin (Gordon won that game), and no QB was changing what Minny did to us. We did see that CJ wasn't going to be the difference in beating Tennessee as well. So while I think CJ should have started, Jake wasn't the crux of the problem in our losses.
Obviously it proved out that Iowa was much better in '08 with Stanzi than with Jake. Yet that was remedied after 3 games, so we might win 1 extra game. I guess the shorter answer is I don't know how many extra actual wins come from a different QB in '01, '14, and 3 games of '08.....but my guess is 1 or 2, hardly a decision that cost us some magical season.