re: What if the College Football Playoff were 12 teams?

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you said 'top 6 teams with 1 and 2 getting a bye' was stupid.

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Yes.

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Thats exactly what the nfl does to decide who plays in the super bowl.

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No, it's not. It's conference champions that get to play in the SB.

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the ncaa has 5 that matter(if you count the big 10)

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No, it doesn't, it has 10 conferences in FBS. If some of those conferences 'don't matter', then they should be removed from FBS.

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it wont be exactly the same as the NFL

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No, because as it is now, there are 128 teams in FBS while there are only 32 in the NFL.

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Please quit being dense.

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I'm not, I'm being rational.

See my previous point from above:

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In 1990, the 49ers didn't play the Giants in the SB even though they were clearly better than the Bills. The Bills had the benefit of being the champions of an inferior conference.

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It happens. Win your conference and you advance. Keep it simple and as objective as possible or there will be no end to bitching.