I'm far from sold on North Carolina as a favorite here. The Tar Heels struggled to get to six wins to become bowl eligible. They fattened their stats by beating Mercer, 56-7, and defeated only one bowl team - and that was unimpressive Miami. If you discount the Mercer matchup, nine of North Carolina's 11 games were decided by a touchdown or less.
Temple checks a lot of boxes for being a feisty bowl 'dog. The Owls should win the battle of the trenches. They have a strong pass rush and North Carolina has a leaky offensive line that permitted more than three sacks per game. Temple went 7-1 when sacking the quarterback at least three times with the lone loss coming to Cincinnati, 15-13, on the road. 
Both teams have good passing attacks. But Temple has the eighth-most efficient pass defense in the country. The Owls have experience with high-powered passing attacks having played Central Florida and SMU. 
The Owls certainly have backdoor capabilities if needed with QB Anthony Russo and WR's Jadan Blue and Branden Mack.