The one thing to take into consideration in comparing last years records, to those going forward, is this is the first year of the SEC with 9 conference games.
If you add in that all P4 teams must play a P4 OOC game, there will potentially be an additional 2 “tougher” games for a few SEC programs and 1 additional “tougher” game for Big 10 programs like Indiana, who haven't played a P4 OOC since 2024.
If we look at 2007, where a 2 loss team won the NC, there would have been ten 3 loss and one 4 loss team, in a 24 team playoff.*
Arguably with the 9 conference games and 1 obligatory P4 game, schedules forward could be more difficult than those 2007 teams played. LSU had 2 losses while playing 1 P4 OOC, 8 SEC games and 3 cream puffs.
Almost all of the ten 3 loss teams played 3 crème puff games.
So three or four 4 loss teams and 8-10 three loss teams is possible under this scenario.
*Rankings pre CCG, with Hawaii & Boise State being G5 rep’s.