Regionally Aligned. 8 conferences of 10.
Every one else thats left out is basically FCS 2.0
These 80 teams will have their own playoff and balanced scheduling.
I needed 12 more teams to round it out so
Army Navy because it is a top 10 rivalry. USF because they have decent revenue and their rival is already in. Oregon st and Wash st because pac12.
Then the next 5 are based on winning% and football revenue