Well I guess since the Big Ten has mutated from coast-to-coast, and now has half the NCAA sucked in, maybe we do need a playoff. This super ultra mega conference shit is really stupid and money ruins everything. Remember when it was weird that Penn State joined? Now look.It wasnt long after the Pac 12 Four joined the Big 10 to make it an 18 team conf that I thought the Big would soon add 2 more teams to make 4 divisions. Four divisions means 2 Big Ten semi-final playoff games leading to the Big Champ game and more money.
And to get back to your main point 4 five team divisions will keep more fans involved in until later in the year as to whether their team might win a division and get is a semifinal game