A lot of this will work itself out.
Ole Miss still plays @South Carolina, @LSU, Oklahoma and Georgia. If they finish 10-2, they are a top 10 worthy team most likely.
Michigan gets @Illinois, Oregon,
@indiana, @Ohio State. If they finish 10-2, they are top 10 worthy team. If they lose to Oregon and OSU, go 9-3, it will be intersting. Would wins against Illinois, Indiana and USC be seen as that great?
USC has a nice schedule yet. Their toughest games are all home games (PSU, ND, Nebraska and Rutgers).
Missouri doesn't play a murderer's row, but will have to prove it. @Alabama is a loss. They get Auburn and OU at home, plus A&M and SC on the road. We'll find out if they are worthy or not.
Really the only thing that would truly piss me off is a 9-3 SEC or Big 10 team jumping a 12-1 or 11-2 Big 12 at large. It'll probably happen to an 11-2 Big 12 at large unfortunately.
SEC
At this point, Alabama and Texas are locks.
Tennessee is as close to a lock as you can get. Unless there is a major upset, they are finishing no worse than 10-2 (losses to Georgia and Alabama).
I'd put Georgia as a lock, but they do play all the toughest SEC teams. Its not crazy to think they could finish 8-4 with losses to Texas, Ole MIss and Tennessee, although I think they'll beat Ole Miss and go 9-3 at worst.
Ole Miss is probably their 5th option if they go 10-2, losing to Georgia.
Really need to cheer for OU, Auburn, LSU, A&M, SC and Kentucky to play SEC spoilers and mess it all up.
Big 10
Ohio State and Oregon are probably locks, although Oregon's close games to Idaho and Boise State make me wonder.
I gotta see more out of Penn State, but they are probably in. They pulled away late against WVU and barely got by Bowling Green.
USC has a nice schedule.
Michigan will fall off.