The criticisms are probably fair. The schedule up to this point is not exactly spectacular, the defense has dominated (but against weak offenses), and it feels a little early to crown this a legitimate playoff contender. While the offense is better than last year — in large part thanks to impressive running back play — this weekend will be the first legitimate test.
But enough about Penn State.
In all seriousness, it is true that neither team has been significantly challenged yet, but that does not negate anything that either the Nittany Lions or the Michigan Wolverines have done so far.