1. I think they people asking for this are those that have seen an optional playoff setting in previous sports games well before a playoff was even on the horizon of college football and wish we could have that option. I personally don't care, but it is something that has been in games before and it is very clearly the future of football. The "it hasn't happened in real life yet" argument won't fly here because neither has some of the massive conference changes and bowl tie in changes that users can customize.
2. If they didn't make a difference, people wouldn't ask for them. You answered your own question.
3. What else are people going to use? That is all that is being marketed.
4. Good luck with that, you basically told everyone else to shut up.