I don't need caveats other than if the team is in the top 12 going into the game (or seeding in a spot that would slot them in the playoff picture before the game, if lower ranked teams lock in one of the guaranteed spots they may need to have been 10 or 11 or whatever) and that team loses to Texas in the SEC CG and has 3 losses... they will be in. I will delete my account if not. I'm that sure of it.
Don't care what else happens if its Bama, Georgia, Ole Miss, A&M, Tennessee, etc. as runner-up. They will be in the playoff with 3 losses and ranked above some or all other 2 loss teams in the SEC and 1 loss teams from other conferences.
The SEC runner up won't be penalized for losing that game.
On the other hand, if Miami goes into the ACCCG ranked 7-8 or whatever and loses, they will be penalized and fall out entirely for teams that weren't even playing on December 7. Same can be said for BYU.
They may even make sure it happens that way in tonight's rankings by dropping Miami, who didn't even play, down to 10-11-12 and saying "they didn't drop, other teams just moved up". That will guarantee only 1 ACC team gets in.
What will happen... we were 9 last week, 6 and 7 lost and we were idle - in theory, we should be 7th but they will say Alabama beating Mercer convincingly is enough to vault them ahead of Miami and Georgia beating 7 is enough to jump us. We will stay at 9. Even then, theoretically, there is no way that if we win out we should fall further because Ole Miss was also idle so they can't jump us this week and doesn't play anyone good the rest of the way. We also pounded Florida so they can't really use that game.
Tennessee also doesn't play anyone else good that could warrant a deserving to jump us. So the fix is either going to be they don't penalize Tennessee much for losing to UGA at UGA and they stay ahead of us or you go ahead and leave SMU out of the picture and just plan to drop Miami out if they lose the ACCCG for 2 loss UT or 2 loss Ole Miss. After they said teams playing in their conference championship won't be penalized in favor of teams sitting at home.