I agree with the first three but I would say 9-7 has us in the middle of the bubble and 10-6 would be the top of the bubble and most likely in. I don't think we will get in for sure with a 10-6 conference record.
We don't have any bad losses (that will hurt us) in non-conf. To go 10-6 we will have to not have any bad losses in conf. That's my reasoning for saying we are in for sure with 10-6. We'd be 21-10 going into the Big 12 tourney with (probably) no bad losses. (by bad losses I mean losses to non-tourney teams). That absolutely should get us in.