It seems plausible that Bama loses in the SEC championship game and BYU loses in the Big 12 title game, Bama ends up with 3 losses and BYU 2.
In a hypothetical Playoff 12: OSU, IU, A&M, Georgia, Ole Miss, Oregon, TTU, Oklahoma, ND, ACC champ, G5 champ - those seem probable. Then let's say...