Get rid of win, and you are in,
and simply award 20 additional points for every win.
The top 16 in points would qualify for the playoffs without any exceptions. This would get rid of the win, and you are in, as well as the waiver nonsense, and keep all it about accumulating the most points.
(Cucumbered) Wins that do not measure up to Nascar rules, conduct, or driver code could result in a disqualification or simply a huge points penalty to be determined at Nascars discretion
The playoff rounds would be determined by the points earned in the round, including the 20 additional points for winning a race in that round, but there would be no win and you are in guarantees for the those rounds.
The last race of the season would still determine season long championship for the final four. The best finisher among the final four would be the champion. The worst of the four would finish fourth in the overall championship standings.
For drivers outside of the final four: The total accumulated points for the entire season would determine the final standings for postions 5 through 36 (or whatever the last listed position would be for the season)