1. You are missing the point entirely. A true playoff is not set on people's opinions it's gives everyone an opportunity. If you are undefeated you deserve to prove it on the field. You can argue all you want about who's better but unless you play the games you don't know. UCF should have a tougher schedule, well Oklahoma shouldn't have lost. You can make any argument you want, that's why until it's expanded and every conference champ or heck each power 5 conference champ plus top G5 with some wild cards that would allow any other undefeated team in, it's not a real playoff. It's no different than the previous system. It's actually worse. At least that let computers decide rather than a committee.
2. I love how when discussing how many top 25 teams a team has beat, if you are in a power 5 conference you get credit for teams that were top 25 when you played them but no longer and teams that weren't top 25 when you played them but now are. Teams from G5 don't get credit unless the team is ranked from start to finish. We pounded Cincinnati we beat them and dropped out because of how bad we beat them. LSU beat two teams that ended ranked but all season long you hear how they beat 4 top 25 teams. Ignoring the fact that Miami lost 5 games and ole miss had a losing.
3. To point to the Missouri Memphis game as some kind of reason why UCF shouldn't be include is laughable on so many levels it's not worth getting in to.
