Top 8 doesn't matter with auto bids
If conference champs are in, they don't have to be in the top 8.
So if it magically ended today, Washington at 11 is in.
The playoff would look like:
Bama - sec winner
Clemson - acc winner
OU - Big 12 winner
OSU - BIG 10 winner
Wash - Pac 12 winner
ND - At large - ranked 3rd
UGA - At large - ranked 4th
Michigan - At Large - ranked 7th
So UCF at 8 would be left out.
And this is a weird year because Bama and Clemson have been chalk. In years with more parity, ND would have lots of issues getting in.