With the conferences getting so big, it has become difficult to establish the (for example) the 3 or 4 best teams in a conference re: playoff determination.
Indiana, for example, played only 2 real viable playoff "contenders," Ohio State and Michigan in 2024. In 2025 they only play Oregon and Penn State, and let's not pretend that Illinois is a viable playoff possibility. Granted you never really know when a team is going to pop up and become a viable playoff contender, but Indiana will likely get into the playoffs having played only one playoff contender plus likely OSU in the BIG Champ game. Considering Indiana's shameful OOC schedule (in '25 Kennesaw State, Old Dominion, and Indiana State) they have worked their way to #2 because of a really soft schedule (49 in Sagarin, 30 in ESPN and 43 re: remaining schedule). Yet unless they do a face plant, they are in. I'm just using Indiana as an example. Ohio State (SOS Sagarin 20, ESPN 33), for that matter, will likely be the #1 seed based on playing only Texas and Michigan and will likely be the #1 seed.
I am of the opinion that an NFL type set up is coming (as you have suggested) as many teams will argue they were more "deserving" the playoffs than the ones who get in with "pretty" records.