The SEC champ provided they have 1 loss or less will be in the playoffs. The only way it doesn't happen is if there are 4 other undefeated teams among the power 5 conferences who win their conference.
I wouldn't count on that.
Imagine three undefeated conference champs: Ohio State, Clemson, Baylor. All 13-0.
Then you have a one-loss Washington, PAC champ, and a one-loss Michigan, darling of the media, versus a one-loss SEC champ ... all competing for that final spot.
If that SEC champ is Alabama, the defending national champion, I think you're right; Bama's in.
But if it's A&M or Tennessee, that's a tougher call.
Two reasons:
(1) Any Power 5 conference champion can get left out, given a 4-team playoff. Over time, every conference
will get left out.
(2) This is a "down" year for the SEC. We're 5-5 against other P5 teams in out-of-conference games. The B10 (8-5), ACC (8-6) and PAC (7-6) all have better P5 OOC records.
Add points 1 and 2, and you get this point: the CFP Committee may decide this is the best year for "giving the SEC its turn" on the outside.
They can't do that if we're talking about the reigning national champ. They can if it's anyone else, though.
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I'm not saying that's how it would play out, only that's how it
could play out. The SEC does not have a reserved seat in the playoffs.