You are right, many programs don't want to add a h&h with a major team to their existing committment.
Most, like FSU, will play one major P5 team a year in OOC and add fill ins....That is one of the reasons that I like the Notre Dame games...about every third year, you have a built in OOC game with a national opponent to go with the Florida game.
More and more teams are looking to neutral site games for OOC....FSU just played Oklahoma State in Dallas and is talking to Georgia about a future neutral site game. That neutral site game earns the way a home game does and does away with the nedd for a H&H.
Also look for some interconference cooperation on scheduling.