re: If the SEC expands to 20 or 24 I assume we would do 2 or 4 divisions

Five divisions of four in the SEC and Big 10. Play your division and play two of the other four divisions each year. Go down to one non conference game.

Play NFL style playoff with all division winners and one wild card making the playoff. Winner of the SEC plays the winner of the Big 10 in the championship.

Teams that aren’t part of that group of 40 adopt an FCS style playoff and we essentially have three classifications within D1 CFB.