I think it could very well be Alabama/Oregon. I'd love to see Notre Dame get in, but too many teams have to lose with their terrible closing schedule.
I would love to see Notre Dame get in also. I am glad they have a good team. I think CFB is better overall when they are good.
And yes, I wish the 4 team playoff started this year. I can't wait for that format to be implemented. I love the idea of a semifinal -> finals.