There are scenarios where Carolina beats the Jets, and loses to the Saints and Falcons, where Dallas and Philly would wind up with better conference records and beat them out for the final wildcard slot. If they all finished 10-6 that is. NFC wins are better than AFC wins because of conference record tiebreakers. If Carolina HAS to lose one more game, the Jets is honestly the most preferable game.
You are right. Here is a scenario with everyone at 10-6