simple top 24 teams, top 8 get a bye week 1, 5 week playoff. Each conference gets their champion a bid, the rest are subject to an at large process similar to the college basketball tournament.
clearly no team not ranked in the top 15 won't be excluded from the tourney, and you have a decisive champion. Also, this benefits future NFL players as they get more exposure and experience against top talents. In addition, you could bigger upsets as national champs than some computerized rankings will ever deem. In addition, you will have as many playoff games as bowl games that currently exist.
so yeah, I clearly believe the bowl system is archaic outdated and only benefits corporate america, and the teams that qualify for one of the big 5 games.