Lets be real here. UCF doesn't need in even if Milton wasn't hurt. Just quickly naming off my head Penn St., OSU, OK, LSU, Texas A&M, Florida, UM, WV, etc. would beat UCF.
Something that bothers me is seeing ND in the playoff. It's a huge advantage for them not to play in a championship game. And I think even if Bama beats Georgia (as long as it's close) that Georgia should get NDs spot. Correct me if I'm wrong but didn't the committee tell TCU a few years back they couldn't put them in because they didn't play in a championship game?