12 teams is a great amount. One of the arguments given by Bammer, tOSU, etc, is "if you want to go to the CFB playoff, you gotta come to our school". And they haven't been wrong. But with 12 teams, 20 can make a very valid argument and another 20 can call it a possibility. That plus NIL taking the bag men out of the game, leaves us with the possibility of some variance.