Central Florida beat
Florida International
Maryland
Memphis
Cincinnati
East Carolina
Navy
Austin Peay
SMU
Connecticut
Temple
South Florida
Memphis
Auburn
Auburn was #10
Memphis was #25
Oklahoma beat #5 Ohio State, #9 TCU (twice), #14 Oklahoma State
Not even close
Georgia split with #10 Auburn, beat #11 Notre Dame, #25 Memphis
Closer, but Central Florida not better
Alabama #18 LSU, #19 Mississippi State
Pretty close to what Central Florida did among top 25.
Who really thinks Central Florida should have gotten in over Alabama?
You can't reward a team for beating Auburn and playing nobodies the rest of the season.
That said, I will always favor 4 conferences of 16 teams and let the 8 division winners into the playoffs. In effect, you have 8 conference (the division winners).