re: As of now, no SEC teams deserve to be in the top 4, let alone make it to the playoffs.

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Big 10

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Who, exactly?

Michigan, who has played nobody?
Ohio State, who's main claim is a 3 point win over a mediocre Notre Dame?
Penn State? I guess that win over Iowa is the best win out of the three.

At least 3 SEC teams would be undefeated with their schedules.

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Pac

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I'll give you Washington.

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Oklahoma

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Props for beating Texas. Maybe this is finally the year they actually win a game in the playoffs?