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

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Nope. Uga is a lock if we are 12-1 sec champ

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I mean... I could probably come up with a scenario where we'd be left out, but it's also hugely improbable...

Let's see:

Penn State finishes undefeated - 12-0
Wisconsin finishes undefeated - 12-0
Penn State wins B1G - 13-0 - IN
(Curve ball... Wisconsin wins, even more chaos... but let's run with scenario 1)

Miami finishes with one close loss to ND and wins ACCCG over 1 loss Clemson - 12-1 - Probably IN

TCU finishes Undefeated, wins BigXII over Oklahoma/Ok St - 13-0 - IN

ND finishes 11-1, only loss a 1 point loss to UGA early in the season- ???

UGA loses to any of the teams in the regular season left for us, and doesn't look great down the stretch. Anyone but Bama (one close loss) doesn't represent the West in the SECCG...

You have 2-3 almost guarantees in that case with Penn St, TCU, and then Miami, and then between Alabama and ND, you have 2 teams that very easily could get the nod over a UGA with a hypothetical bad loss and a less than quality perceived conference championship win and generally down play at the end of the season (see: Penn St 2016).

Again, I'm simply playing devils' advocate here, as I don't think the above scenario is likely, but if I'm just going off the top of my head, that's one way where UGA could easily still be left out as a potential 1 loss SEC Champion.