Sorry, but leaving Alabama out would completely destroy the legitimacy of the playoff, unless Baylor goes undefeated.
Utah has no one to blame but themselves for their predicament. If not for their own arrogance, Utah wins at SC, and is currently still undefeated. Utah's arrogant belief that they could man up on the outside with no help against the USC WR's cost them a game they probably should have won.
And Oregon has already lost Auburn on a semi neutral field. So that means Oregon is at best the 4th or 5th best team in the SEC West.