I don't know if this has been mentioned or not, but why not just use the FCS formula. It seems to work. I don't understand how every other division has a playoff and it doesn't disrupt their academics too much like the Presidents of of the BCS argue would happen.
I don't know either, makes no sense. You would think the FCS would have more of a problem with the extra games since their powerhouse teams have actual student athletes playing for them.