re: Is a playoff really necessary?

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The BCS got it right most of the time

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I mean there are multiple years you could argue it didn't. You can't use after the fact reasoning so you could argue:

08 Texas over OU/UF
11 Okie State over Bama
06 Michigan over UF
07 about 7 teams over LSU since there were like 10 2 loss teams

Obviously some of those teams who would be "left out" wont he national title, but they would have absolutely had a chance in a playoff as well