I’m against Undefeated > 1 loss team as a blank statement, but I do think this year is fair to have the discussion. I think the most talented team vs the team that has a better record argument is a lot like the MOST valuable player vs the best player discussion.
Bama is more talented than Minn, Baylor and Utah, but I don’t think they are having a better football season, Bama is killing teams they should kill and lost to the team that was their match AT HOME by 12 points (DB letting the WR get behind him was lunacy). I don’t think we can say Bama is what it was 4 years ago, UGA was beating the life out them 2 years ago, Clemson dominated them last year and now they lost soundly to LSU, Obviously they’re a top 5 team in terms of quality, but they're not performing at the level we assume they should. UGA being top 4 is pathetic, they are a worse version of Alabama, they will get boatraced by LSU on the SECCG.
I think the PAC-12 champion, Utah or Oregon, should be in this year, unless the champion has 2 losses, there’s really no argument for leaving them out again. If Baylor wins the B12 they would have a claim to make too, the problem honestly is OU, they’re a looking fraudulent af this year, they got outscored BY 20 in the 4Q against ISU team AT HOME.