Yes, you have forgotten the tie-breaker... We had to change the tie-breaker system a few years back due to the impossibility of dealing with head-to-head records (between 2, 3, or 4 teams)...
From the rulebook...
If, at regular season's end, two teams share the best record in a division, that division's champion is decided by the following series of tie-breakers, listed in the order considered:
1. best divisional record
2. best record within the conference
3. highest team KF Average
If a winner still can't be determined, the title will go to the team that has the most players with Chinese characters tattooed on their arms.
If two or more wild card contenders finish the regular season with the same record, the tie-breakers are:
1. record within the conference
2. highest team KF Average
The wild card breakers are also used to break ties that affect play-off positioning (in other words, if the two divisional champs [or the wild card teams] have the same record).