It's a bit silly to even contemplate at this point imo.
There is no question you'd rather make the playoff than just a NY6 bowl based on this analysis:
Chances of winning National championship in NY6 bowl = zero
Chances of winning National championship in playoffs is something greater than zero
There is no question you'd rather make the playoff than just a NY6 bowl based on this analysis:
Chances of winning National championship in NY6 bowl = zero
Chances of winning National championship in playoffs is something greater than zero