It's amazing that Spud and, to a lesser extent, Mike keep posting complete uninformed tripe about this issue. Look at the reality of the situation: BCS conferences have essentially emptied as there is no advantage to being there.
That's right new HD users, you too can aspire to NOT take over BCS schools! I mean that's probably all you follow of college basketball, but I think we can all agree that this game should make them far more difficult to keep competitive than you might find any random D2 school.
So work for months or years, spend your money, but then decide that it your initial motivation to join (maybe to take over UNC or Kentucky) is not a great move in the game, because there are at least two internet trolls that are entertained by that situation.
Good plan.