2020
First round
- 9 Georgia (7-2) at 8 Cincinnati (9-0)
- 12 Coastal Carolina (11-0) at 5 Notre Dame (10-1)
- 11 Indiana (6-1) at 6 Texas A&M (8-1)
- 10 Iowa State (8-3) at 7 Florida (8-3)
Top-ranked snubs: North Carolina (8-3), Northwestern (6-2)
Quarterfinals
- Peach Bowl: 1 Alabama (11-0) vs. Cincinnati-Georgia winner
- Fiesta Bowl: 4 Oklahoma (8-2) vs. Notre Dame-Coastal winner
- Cotton Bowl: 3 Ohio State (6-0) vs. A&M-Indiana winner
- Orange Bowl: 2 Clemson (10-1) vs. Florida-ISU winner
Semifinal odds, per SP+
- 1 Alabama 78%
- 4 Oklahoma 74%
- 3 Ohio State 73%
- 2 Clemson 61%
- 7 Florida 29%
- 6 Texas A&M 23%
- 5 Notre Dame 18%
- 9 Georgia 14%
- 10 Iowa State 10%
- 8 Cincinnati 9%
- 12 Coastal Carolina 8%
- 11 Indiana 5%
Odds of top 4 all advancing: 25%
Most likely champions: Alabama (42%), Ohio State (18%), Clemson (14%)
The "top six conference champions" rule wreaks havoc in 2020. With unranked Oregon beating USC, that means conference champion No. 6 is now the Sun Belt's Coastal Carolina. Meanwhile, Oklahoma's Big 12 title game win over Iowa State gives the Sooners a bye and sends the Cyclones to Gainesville for Round 1. That's all undercard, however. The top four teams are the most dominant set of four yet, though Clemson gets a tricky draw in potentially facing a Florida team that doesn't have Kyle Pitts et al opting out in the quarterfinals.
And yes, Alabama likely still wins it all.
2021
First round
- 9 Oklahoma State (11-2) at 8 Ole Miss (10-2)
- 12 Pittsburgh (11-2) at 5 Georgia (13-0)
- 11 Utah (10-3) at 6 Notre Dame (11-1)
- 10 Michigan State (10-2) at 7 Ohio State (10-2)
Top-ranked snubs: BYU (10-2), Oregon (10-3)
Quarterfinals
- Sugar Bowl: 1 Alabama (12-1) vs. Ole Miss-Oklahoma State winner
- Cotton Bowl: 4 Baylor (11-2) vs. Georgia-Pitt winner
- Rose Bowl: 2 Michigan (12-1) vs. Ohio State-Michigan State winner
- Orange Bowl: 3 Cincinnati (13-0) vs. Notre Dame-Utah winner
Semifinal odds, per SP+
- 1 Alabama 72%
- 5 Georgia 70%
- 3 Cincinnati 61%
- 7 Ohio State 56%
- 2 Michigan 41%
- 6 Notre Dame 25%
- 4 Baylor 21%
- 9 Oklahoma State 15%
- 11 Utah 15%
- 8 Ole Miss 13%
- 12 Pitt 9%
- 10 Michigan State 3%
Odds of top 4 all advancing: 4%
Most likely champions: Georgia (32%), Ohio State (22%), Alabama (18%)
Wow, has a lot changed with this one. In reality, we had Michigan winning the Big Ten and keeping Ohio State out of the CFP, then we got a Bama-Georgia final. In this alternate reality, Michigan makes its third CFP and ends up getting a bye in what amounts to a Big Ten regional and facing the winner of Ohio State-Michigan State (probably the Buckeyes) in a Rose Bowl semifinal. Meanwhile, perhaps even more consequentially, Georgia doesn't get a top-four seed (conference champs only) and likely ends up facing Alabama in the semifinals. That drastically reduces both teams' title odds and offers Ohio State a lifeline for avenging the Michigan loss and making a playoff run.
Here are some thoughts about what these simulations tell us.
This is a massive change
In the first eight years of the four-team playoff, only two teams that ended up ranked worse than 10th in SP+ made the field -- one of those two, 2020 Notre Dame, fell out of the top 10 only after playing in the CFP -- and 25 of 32 teams finished the year in the top five. This club was too exclusive and hasn't really benefited college football in terms of inclusiveness.
We're extremely inclusive now.
Again, it's conceivable that the thought processes behind how the committee ranks teams will change. But based solely on the 2014-20 rankings that already exist, a 12-team field would have brought in 10 teams that ranked worse than 20th in SP+. And although that group does include five of the obligatory Group of 5 teams -- or, as we'll evidently now refer to them, "sixth conference champions" -- it also includes a 2016 Colorado team that finished the year 53rd and a 2014 Arizona team that finished 46th.
This is a true tournament now, for better or worse, and quite a bit of the FBS will get to experience it. In this eight-year simulation, 41 teams -- about 32% of FBS' membership -- reach at least one playoff.
Simulated CFP appearances by team
8: Ohio State
7: Alabama
6: Clemson, Oklahoma
5: Georgia
4: Notre Dame, Penn State
3: Baylor, Florida, Florida State, Michigan, Michigan State, Washington, Wisconsin
2: Cincinnati, LSU, Ole Miss, Oregon, TCU, UCF, USC, Utah
1: Arizona, Auburn, Boise State, Coastal Carolina, Colorado, Houston, Indiana, Iowa, Iowa State, Kansas State, Memphis, Miami, Mississippi State, North Carolina, Oklahoma State, Pittsburgh, Stanford, Texas A&M, Western Michigan
To be sure, this structure still benefits the top dogs most of all. Ohio State now reaches the CFP in every single season, Clemson and Oklahoma rip off streaks of six straight playoffs from 2015-20, and although Alabama misses the 2019 CFP based on the committee's original rankings, again, I doubt that happens if there's a 12-team cutoff.
At the same time, teams like Penn State, Washington and Wisconsin each make half or nearly half of the playoffs and have decent odds of doing damage when they get there, and a conference that doesn't have a clear dominant force at the moment -- the Pac-12 -- sees more than half its membership make at least one appearance.
Not necessarily. In this simulation, only 18 of 37 power conference title-game losers made it -- and even in the SEC and Big Ten, the runners-up made it only nine of 16 times.
A lot of this, of course, is the product of a bad divisional structure. The SEC championship game losers that didn't make it, for instance, were the flawed Missouri and Florida teams that won the SEC East from 2014 to 2016. If or when conferences move to ditch divisions (and the Pac-12 already has), (A) it would greatly increase the odds that the conference's best teams have a chance at the conference title, which I've always considered an obviously good thing, but (B) it would indeed lessen the importance of the conference title game in a universe with a 12-team playoff. The winner still gets a valuable bye, but the stakes aren't quite as high.