Funnily enough, a more analogous scenario this season to the Ohio State/Penn State situation last year would be if they took Alabama over Auburn...but that will never happen. Mostly because Alabama does not have the resume that Ohio State did (and there was time for OSU to recover in the rankings after their loss).
I don't think they will take OSU over Alabama but it is not the Flagpolian certainty you make it out to be. The committee has made huge changes in the final rankings before (remember when TCU was 3rd?) and it has made it abundantly clear that teams not playing that final weekend will be at a disadvantage. Again, Ohio State was #2 going in last year, so it would have taken a lot for 3 teams to pass them. Alabama can't afford for anybody (other than Miami if they win and Clemson drops out) to pass them. You also act as though Alabama being #5 (if, in fact, that is where they are) guarantees that they are next up when they have no opportunity to bolster their resume on that final weekend.
Either way precedent will be broken unless all 0-1 loss teams win their conferences. I don't think anyone can reliably predict how that precedent will be broken.