If every P5 champ finishes undefeated, who makes the CFP? Who gets left out?

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The original was posted on /r/cfb by /u/jfarbzz on 2023-10-16 15:54:52.

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Let’s say we have this scenario:

Undefeated B1G champ Ohio State/Michigan/Penn State, any one of them will have wins over the two others

Undefeated SEC champ Georgia

Undefeated Big 12 champ Oklahoma

Undefeated ACC champ Florida State/North Carolina, either one having a big win against the other in the title game

Undefeated Pac-12 champ Washington

So who would you leave out here? And aren’t we glad this is the last year we have to worry about this?