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The only problem here is that UCF STILL would have been left out of an 8-team playoff last year. The committee had them ranked 12th (!) in the final rankings that determined the playoff and the NY6 bowls.
That's why I advocate for 5 conference champs, 2 at large, and 1 for the highest-rated Group-of-5 team.
Honestly, fuck UCF tho. They played one Power 5 team all of last year. One! And it was freaking Maryland.
They have 8 conference games and with those other 4 they should be trying to schedule top tier Power 5 schools if they want a shot at the playoffs. Don't play nobody and the bellyache about getting left out.
5 conference champs, 3 at-large teams. If you can't earn your way into one of those 3 at-large spots as a Group of 5 school then tough beans.