If you do the 4 team playoff format then you would have to leave the final game of the season undecided until the final standings are locked in the week prior. Seems like a scheduling nightmare.
Sounds like they would move to an 11 game schedule with the top 4 getting flexed into a playoff. This wouldn’t work as the other teams that would have had games are left with no game or revenue.
Maybe they tell schools to schedule FCS games in week 12?