But the regular-season finale in most conferences brings with it rivalry week, so plenty could change Saturday.
With either Ohio State or MI heading for a loss, Washington, which sits at No. 5, and Big Ten powers Wisconsin at No. 6 and Penn State at No. 7 could move into the top four.
At least 10 other teams beside CFP No. 15 Florida - yes, the Gators are theoretically in the mix - have similar feelings.
The Wolverines' path to the East title is clearer: Win at Ohio State for the first time since 2000, and MI is in the Big Ten title game. Oklahoma also appears to be ahead of every Pac-12 contender for the moment, except for Washington, which has a tricky game at Washington State coming up next. Auburn plays Alabama on Saturday in the Iron Bowl.
The Rose Bowl Game presented by Northwestern Mutual gets the Pac-12 champ, which in this case would be No. 5 Washington.
Penn State returns to action on Saturday at Beaver Stadium opposite Michigan State.More news: More Big 12 Bedlam for Oklahoma State to seek league title
1 p.m. ET: Goodyear Cotton Bowl Classic: No. 9 Colorado vs. A loss to Washington State this weekend, and the Huskies don't make their conference title game.
Western Michigan (11-0) joins Alabama as the nation's only other unbeaten. But the Tigers - who have two wins over now ranked teams in Louisville and Florida State - saw their resume take a hit with the Cardinals' stumble. They need Wyoming to lose at New Mexico to play in the Mountain West championship game. Boise State closes its season at Air Foce (8-3). The championship game will be held on January 9 in Tampa, Fla. Both Michigan and Ohio State both have one loss and both are ahead of the Huskies.
But Kirk Herbstreit pointed out LSU held Alabama to 10 points - all during the fourth quarter of the Crimson Tide's 10-0 win November 5 in Baton Rouge.
MI has home wins over No. 9 Colorado, No. 7 Penn State and No. 6 Wisconsin. Penn State (9-2) 8.
More dominoes would need to fall in order for Oklahoma, Colorado or Oklahoma State to reach the festivities, but it's not out of the realm of possibility.
Elsewhere around the Pac-12 Washington is number 5 and seems to have a good shot at the playoffs should they defeat Washington State and then either Colorado or USC. The Spartans came within a point of the upset, 17-16.