Agree. Unfortunately, not only to your proposed format, but also to “...not going to happen.” Sigh
It has the best of all worlds: Every conference champion plays. The ‘top four’ earn a home game (win for us fans). The teams like Cincinnati, UCF, BYU, etc. get a shot to prove themselves. And the better conference ‘runner-ups’ get a shot. Plus, you’ve only added one game.
This year it would really make sense. HE L L!, it’s soon going to be COVID20 - why NOT?!
Whatever choice(s) you make makes you. Choose wisely.