Let's play commish for a moment. These FCS schools have the top 25 stadiums. If and when we lose Toledo/NIU, what 3 teams would you like to replace them with to get back to 14 teams?
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There is nothing magical about 14 teams, or 12. Twelve teams allows you to do 3 pods of 4 teams each. 16 would allow 4 pods of 4. You could also shoot for 15, giving you 3 pods of 5. Just stay away from prime numbers like 11, 13, or 17, and you can work it out. Even then, not all pods have to be the same size, so at the current 13 you could have two pods of 4 and one pod of 5.