Most people would agree Penn St and Indiana are both complete frauds. Indiana plummeted in the rankings when they lost to OSU even though Indiana only has 1 loss.
If PSU loses to Oregon, especially by double digits, it's hard for me to understand why they wouldn't fall further simply becuse they played Oregon in the title game and not the regular season. If they had played them in the regular season and lost we wouldn't even have this argument. Penn St best win of the year is over #22 Illinois. How can you compare a 2 loss PSU to a 2 loss Tennessee and say PSU deserves a higher ranking? PSU would have played exactly 2 good teams and lost to them both.
Just because it's a title game should not matter a loss is a loss and always has been. That goes for PSU and Georgia too IMO
If PSU and or Georgia lose their games and Tennessee is not hosting a playoff game then this whole system is a sham. Because if you throw that on top of teams like Boise St and SMU get to just leap ahead to a bye week then this means pretty much the only way to get a host game is to play in a title game or be Notre Dame. That's BS