The same consideration goes for all the northern tier schools. Football is a rugged game meant to be played under all conditions. (I have gone soft and will make an exception for serious lightning and Category 5 hurricanes.) I do not think Miami, Florida State, Alabama, and USC should get to play for national championships pretty much at home year after year. I'd balance a playoff geographically, and if that means playing on Jaunuary 1 in Lincoln, Nebraska, or South Bend, or Ann Arbor, or the Meadowlands on a rotating basis, that's fine. Let the southern teams make the adjustment for once. The players can switch to sissy indoor football when they move up to the pros.
But seriously: let's take the idea of college sports and sportsmanship seriously. Flip a coin, and play the playoff games at the winner's home field, with tickets split 50/50.
I would love to see the teams from warmer climates deal with playing in the cold. I bet they’d drop that ball a few extra times. I know it will never happen, but it would be fun to watch.
Still college football is no place to worry about fairness or to stand on principle. If concessions have to made, then concessions should be made.
If all the games end up in Florida, California, or Hawaii then so be it.
Personally I'd like to see a college version of the "Ice Bowl" but we now live in a rose-eggshell-and-teal america rather than the red-white-and-blue one we were born in.