Well to be fair, they're probably including the SECC and playoff games for bammer. And seeing as most believe that we're punching well above our 4 loss weight class, we're likely to be a big favorite in our bowl game, no matter the opponent.
I doubt they include the playoff, since those teams are not selected yet. It probably does include UF as an opponent, because here are the remaining odds on a per game basis at ESPN:
From ESPN....
Sat, Nov 14
@ #17 Mississippi State 58.1%
Sat, Nov 21
vs Charleston Southern 99.3%
Sat, Nov 28
@ Auburn 72.3%
All they do is multiply the percentages together, which above leads to 41%. From which, we can figure that ESPN calculates their odds of beating uf and winning the SEC at 65%.