I've gone ahead and bolded your last sentence as well, cuz you're not wrong on that point, for sure!
.....but I just think any mathematical chance of a weak division winner having a home playoff game is just wrong. Perhaps a "smart" system is best, one that provides for the current system to stay in place as long as the worst division winner is at the very least 9-8. If not, then it automatically becomes based on straight-up record.