5 for the 5 conference champions. Big 12 and ACC champs play the play-in game (some early bowl game in the southeast), winner gets SEC champ in the Sugar Bowl. Pac 12 and Big 10 champs play the Rose Bowl the way God intended them to. Winners of Sugar Bowl and Rose Bowl face off for title.
If you demand a spot for mid-majors/Notre Dame let them replace the ACC/Big 12 teams if they’re sufficiently highly ranked.