Did not read all of this, but I think the NIL combined with portal creates the following at some point:
32 Team "super league" at the top, with the remaining 100 schools left to have their own championship playoff or whatever. I would assume there still can be crossover games for sure, but only those who sign up to compete at a high level of NIL would be considered for the 32 team league.
I don't want this, but I think it is the only outcome where the rest of the teams have a legitimate chance at a natty, albeit a lesser league natty. The best HS players are going to go where the NIL $$ are, and the players that develop into top talent in the lower league will mostly head for the NIL deals with those same teams via portal.
A 32 team super league seems like it would make sense, but I don't think it will ever happen. The only schools powerful enough to make this kind of seizmic change are the alabamas, Texas, OSU, etc and they are content with the current setup. The schools that would be pushing this are the ones who can't (or don't want to) compete financially. And the reality is the schools that can't compete financially don't move the needle in the college football world.
Secondly, try to select 32 teams to be in a super conference. Who are you going to leave out? Nebraska? the Mississippi schools? Arkansas, UCLA? There are more schools than you realize that would want to be in the super league (and would be willing to meet financial obligations). It's only the bottom 20 teams in the P5 that probably wouldn't fit (Tech is in bottom 20). Also, if conferences are getting blown up for a super league, there are some G5 schools that would be a better fit than the bottom P5 schools. (ie UCF, Cincy, Liberty, Boise State).
I think a more likely scenario (but still a long way off) are two different playoffs similar to the NCAA and NIT tourney in basketball. This would give more post season content which is what Media companies want. This also enables you to preserve the current conference structure (which the factories prefer) but you give many more teams a chance to win a championship.