Why on earth do you feel the Navy option would give Alabama of all schools fits?If... check that... WHEN they expand to 8 teams, this makes it easier for a Western Michigan who has a great season (UNDEFEATED with a good shot at 13-0) to get in with an at-large. The highest ranked P5 school now gets in one of the Group of 6 bowl games so expanding it to 8 appeases the G5 schools for a while knowing they have a bid. I would LOVE to see Navy get a shot at Alabama (because Navy still could be the highest ranked G5 school) in a #1 versus #8 match up because that option would give Bama fits.
The other P5 schools would probably be Michigan and Ohio State this year so an 8 team playoff this year would kind of tidy up this playoff picture instead of dissing Penn State (who beat OSU) in the "but what if they played Ohio State now" scenario.
(Assuming champs using last week's ranking)
1. Alabama vs (8) Navy/Western Michigan (stud receiver)/SDSU
2. Penn State/Wisconsin vs (7) Michigan
3. Clemson vs (6) Oklahoma/Oklahoma State
4. Washington vs (5) Ohio State
The top 4 seeds host games (to reward conference champs).