Ice,
I like your top 12 idea thats where I originally started with my playoff ideas.
My thoughts were 12-16 teams, this way if your anywhere's near good your not left out and there's no real complaining because 13-16-20 are about all the same.
My original idea starts the playoffs on Dec 1st and ends on Jan 1
Since no one wants 16 teams, at least in the beginning, I'm starting to like another scenario.
Go ahead and have the bowls, all end by Jan 1st, like it use to.
Take the winners of the BSC bowl games, the highest seed gets a home game in the first round, have a playoff with the winners till only one is left standing.
As for the complaint about teams playing too many games ....
Only 2 teams play the most, once any playoff starts, not all of them.
fwiw, my locals HS team this past week won the State Championship ..
Congrats Sylvania Southview Ohio Division 2 Champs.
They played 15 games and NO it was NOT too many games for them and they still managed to get thier homework done
Jimbo