If Top 25 teams only lose to other Top 25 teams away (with a couple of exceptions to keep things interesting) Here is who would be most of the 0 to 3 loss teams:

Montana..............11..1...wsu
Liberty................10..1...Elon
Villanova.............10...1...Fbs
James Madison......9...2...fbs/vu
New Hampshire......9...2...wm/vu
Southern Illinois.....9...2...fbs/ndsu
Cal Poly-SLO.........8...2...Umt/fbs
Elon....... ............10...2...ur/asu
Weber State..........9...3...fbs/fbs/nau
Appalachian State..9...3...fbs/jmu/gsu
Northern Iowa.......9...3...fbs/siu/wiu
Massachusetts......9...3...fbs/jmu/unh
Wofford............... 8...3...fbs/elon/asu
Northern Arizona... 8...3...fbs/umo/ewu
Western Illinois......8...3...fbs/sdsu/siu
William & Mary.......8...3...fbs/vu/jmu

That includes 4 autobids, it doesn't include the autobids from the (SL, PL, OVC, MEAC) or any other 3 or less loss teams from the SL or OVC (because that is still too complicated)

So who would be your 12 playoff teams above? and could any 4 loss team get an at-large before 1 of them?

Yes I know there will be upsets and the season is bearly half over but I'm trying to get a handle on where the line is drawn...