I've thought about this a lot. The voter bias against UT is still pretty strong. You have one clown who voted UT 5th in the last poll. Another had them 4th behind Michigan. So you have that factor.I sincerely want the Vols to win out with everything in me. This has been so long in coming, however, say Tennessee loses a close game in Athens and then it's Georgia/Alabama in the SEC Championship - Georgia knocks out Alabama and we enter the playoff as the second SEC team. Alabama is our nemesis either way. In summary, I think the Vols could reach the playoff even with a loss next week and NO ONE will want to play the Vols in the playoffs, that's for sure.
However that's not all that weighs against a one loss UT team getting in without making the SEC CG. I actually think UT could get in with a close loss in the CG... but wouldn't want to risk it.
There is some SEC fatigue. That's not necessarily directed at UT but rather the conference's dominance as a whole. They don't care that UT hasn't been involved in a while... only that they belong to the SEC. A lot of people around the country would like to see other conferences get a "fair" shot. Oregon, USC, and UCLA are currently 8-10. If one of them finishes with one loss and UT finishes with one loss... they're probably in ahead of the Vols. A lot of voters will favor a one loss tOSU or Michigan team over a one loss UT team. Most expect TCU to lose a game but there is a lot of "romance" from voters around them. If undefeated, they're in. Even with one loss they could be in if they win the Big12. Clemson is all but certain to get in.
So let's say the Pac12 champion has one loss. Let's say that TCU finishes as the Big 12 champ with one loss. Let's say that Michigan-OSU is a classic at the end of the season and one of them finishes with one loss and the other the Big10 champ. You then have Clemson who is in and the SEC champ who is in. Do you really think UT gets the nod over those other teams who won their conference?