I'm obviously not going to read all of this stuff regarding what model is best for us, but for 95% of the schools out there, you'll have to go undefeated to get in. It's not fair, but college football never has been fair. Why we believe there should be a "fairness" construct in college football goes directly against the sacrosanctity of the sport itself.
Part of the appeal of college football is the David and Goliath stories that show up every year. For every hero (Boise), there is a villain (Alabama). Part of the appeal is the controversy. To destroy the controversial aspects of college football would be a direct assault on the sport itself.
The playoff will make a difference, and I have zero doubt that we'll see an expansion of the playoff from 4-8 in 10-15 years just because the money will be too much to turn down. However, even then, there will be controversy and unfairness because that's the gas on the fire that makes college football so popular.