Georgia is in, even if they lose the SEC championship game. Michigan/OSU winner is in even if they lose the B10 championship game.
For Michigan/OSU loser to get in, doesn't even have to be particularly close as long as LSU loses and either USC or TCU loses a game. A blowout UM/OSU loss might bring a 1-loss TCU or 1-loss Clemson into the picture, but I still think The Game's loser would get in over them.