I've heard some fans say they dislike that November upsets don't automatically result in eliminating highly-ranked teams from the College Football Playoff. Nos. 2-3-4 all lost last Saturday, but the defeats were setbacks, not necessarily game-changers.

Don't fall for the shortsighted thinking you're getting ripped off with less drama. The payoff is about to come during these final three weeks.

More teams are involved in the CFP race than in the BCS era. More games will matter at the end. And for the first time, more variables (two-loss teams and teams that don't win their conference) might be seriously in play on Dec. 4. We may get a decisive answer to the ultimate CFP question: Are they picking the four best teams or the four best conference champions?

These eight remaining games listed below will, at least as it looks now, go a long way toward deciding who's in the CFP. (All team rankings are from the current AP Top 25. My predictions are as of today with the caveat that this is college football and things will change.)

One point of order: I'm not listing any SEC or Big 12 games. By all means, enjoy them. But it's hard to see how they factor into the playoff race. Alabama could lose to Auburn or the SEC Championship Game and still make the playoff. Oklahoma-West Virginia and Oklahoma-Oklahoma State will decide the Big 12. But the Big 12 did so poorly out of conference that I'm still ruling out any of its teams making the playoff.

1. No. 4 Michigan at No. 2 Ohio State (Nov. 26): Ohio State and Michigan have each been ranked in the top 10 all year, but incredibly the winner of this intense rivalry game may not go to the Big Ten Championship Game. Michigan goes if it wins out. The Buckeyes need Penn State to lose once. Even if Ohio State doesn't get to Indianapolis, it could still reach the playoff given its one loss and quality wins. Ohio State-Michigan still really, really matters -- just with a unique wrinkle because Penn State continues to win in an impressive year for James Franklin. Pick (as of today): Ohio State

Recent history: Ohio State has won four in a row and 11 of the past 12 over Michigan. The Buckeyes won 42-13 in 2015 and haven't lost to the Wolverines in Columbus since 2000.

2. Big Ten Championship Game (Dec. 3): It's really unclear who will play in this game. Wisconsin vs. Ohio State? Wisconsin vs. Michigan? Wisconsin vs. Penn State? Even Wisconsin isn't a lock. The worst-case scenario for the Big Ten would be three-loss Minnesota vs. two-loss Penn State. Even so, it's hard to see a scenario where the Big Ten doesn't put a team in the playoff. Two playoff teams are still possible. What we do know is this game should have major implications. Pick: Wisconsin over Ohio State (I smell a trap for Penn State to lose to Michigan State on Nov. 26. In this year of Big Ten depth and chaos, the Badgers get a rematch win over Ohio State in Indianapolis.)

Recent history: The lower-ranked team has won the Big Ten Championship Game in four of its first five years. Ohio State needed a 59-0 beatdown of Wisconsin in 2014 to make the playoff, and Michigan State edged Iowa in a 2015 winner-take-all game to reach the CFP.

3. No. 7 Washington at No. 20 Washington State (Nov. 26): Unless Washington loses this week to Arizona State and Washington State beats Colorado, the Apple Cup will decide the Pac-12 North title. They're all must-win games now for Washington's playoff hopes and for the Pac-12 to avoid getting left home two straight years. Maybe Washington's loss to USC was just a blip, but the Huskies have some key injuries on defense and must bounce back quickly from a demoralizing home defeat. Washington State actually plays some defense this season. Pick: Washington State

Recent history: Washington has won three in a row and six of the past seven over Washington State. The Huskies won the past two by a combined margin of 76-23.

4. ACC Championship Game (Dec. 3): The ACC is in solid shape to put a team in the playoff. The question is who: Clemson, Louisville or possibly even both? Clemson and Virginia Tech both lost last week with a chance to clinch their divisions. They're both still in control to reach Orlando. The nightmare scenario for the ACC: The Coastal Division winner beats Clemson or Louisville, one-loss Washington wins the Pac-12, and Wisconsin wins the Big Ten without beating one-loss Ohio State. That could leave Ohio State sitting at home as the Big Ten's second team and the ACC out of luck. Pick: Clemson over Virginia Tech

Recent history: Clemson or Florida State has won the past five ACC championships. Three of the past four championship games have been decided by less than a touchdown, so don't expect a blowout.

5. Pac-12 Championship Game (Dec. 2): This game likely only matters if Washington arrives in Santa Clara, California, with one loss. As a one-loss Pac-12 champion, the Huskies would get serious consideration and would have to hope their lower strength of schedule doesn't doom them. Washington might be helped by winning a rematch against the only team it lost to (USC). The Pac-12 South will be decided in Boulder, Colorado: No. 20 Washington State at No. 12 Colorado (Nov. 19) and No. 11 Utah at No. 12 Colorado (Nov. 26). The Buffaloes capture the division if they win both games. Pick: USC over Washington State

Recent history: The North Division is 5-0 in Pac-12 Championship Games. But that could change this year if USC sneaks into the championship game by Colorado losing to Washington State and beating Utah.

6. No. 3 Louisville at Houston (Nov. 17): Two months ago, this game looked like it could be Houston's last chance to impress the committee. The chaotic losses around the country last Saturday were exactly what Houston needed to get into the playoff -- before losing twice. Now this game may be Louisville's last, best shot to shine. The Cardinals would still have to beat Kentucky, and that's no given. But this road game could give Louisville more of a bump, even though Houston is not playing as well lately as early in the year. Pick: Louisville

Recent history: Houston won 34-31 in 2015. Greg Ward Jr. ran for 98 yards and threw three touchdowns, and Lamar Jackson was intercepted twice and ran for 16 yards on 12 carries. This was pre-Lamar Jackson as we know him now.

7. No. 5 Clemson at Wake Forest (Nov. 19): Forget the ACC Championship Game for a moment. The Tigers just need to get there so they could make the playoff as a one-loss ACC champion. Winning the division is no guarantee given how the Tigers and Demon Deacons are playing lately. Clemson is by far the more talented team, but its turnovers, penalties and rushing-game struggles continue to persist. The Demon Deacons held Florida State to 17 points and limited Louisville to 10 points through three quarters before the Cardinals exploded late for a 44-12 win. Pick: Clemson

Recent history: Clemson has won seven straight games over Wake Forest, including 33-13 in 2015.

8. Minnesota at No. 6 Wisconsin (Nov. 26): The winner of this under-the-radar game could claim more than the Paul Bunyan's Axe. The Big Ten West title and the Badgers' playoff hopes might be at stake. If Minnesota beats Northwestern and Wisconsin, the Golden Gophers could go to Indianapolis. Somehow, I don't think TV viewers and the committee would love to see a Minnesota-Penn State rematch for the Big Ten title. Minnesota lost in overtime at Penn State and fell by seven points to Nebraska so this isn't a layup for the Badgers. Pick: Wisconsin

Recent history: Wisconsin is on a 12-game winning streak against Minnesota, including a 31-21 win last year. Minnesota hasn't won in Madison since 1994.