TCU plays at Southern Miss so it's not suprising people think they'll lose that game.
I'm against a playoff because, I feel it takes away from the regular. It just allows to much room for teams to lose multiply games, and still have a chance at the national championship. I realize this year may see a 2 loss team in the Sugar Bowl, but that's such a rare occurence, I won't chance my mind about a playoff.
A 16 team playoff is far too many teams. If you're going to have a playoff, stick with 4 teams.