4 unbeaten conference champs, especially from the conferences that would definitely bump us (SEC, B1G, and ACC).
But if between those 3 and the Big 12, they each had an undefeated champ, it would likely be between ND and the Big 12 champ for the 4th spot. If we fizzle out in November like in past years and look boring against lesser teams then yeah the Big 12 champ would probably get the nod, but if we keep playing like we have been and pass the eye test ND would probably get the nod.
And there isn't any 1 loss team that's getting in over this ND team if they're still unbeaten, so just get that outta your head.