re: Assuming Bama/Georgia make SEC champ undefeated are both in playoff regardless of outcome?

I disagree. Statistical strength of schedule will not matter. Bama will have a much better chance than UGA based on name cache and carry over from last year. The committee won't admit that those things play in, but they clearly do (see: OhSt last season).

Short of a blowout loss (not happening), 12-1 Bama is a lock to get in.