Here are the resmues, Best wins, and the losses
TCU Wins - 10 Kansas State, 20 Texas. Loss in Big 12 Champ vs K State in OT
Ohio State - 21 Notre Dame, @ 8 Penn State. Loss to Mich at home
Bama - 20 Texas and 24 Miss State. Losses Tennessee and LSU
So to sum up, Bama has 1 more loss than TCU and Ohio State and they have the weakest wins of the 3 teams. If you want to say they had 2 close losses, then you also have to say that they have 2 last second wins vs Texas and Texas A&M so if you want to say Bama could be unbeaten, you also have to say they could have lost 4 games.
Playoff has to be
1 Georgia
2 Michigan
3 TCU
4 Ohio State
If Michigan somehow losses to Purdue, I suppose you could do 2 TCU and 3 Michigan but that pretty meaningless because they would still play each other. The only meaning a Michigan loss would have is the warm feeling of seeing Harbaugh lose the Big 10.
Penn State would be the real loser if Purdue wins because PSU would lose the Rose Bowl and probably end up playing Tulane.