The Colts would be the cream of the AFC crop if they weren't forced to be a wildcard team; as it is they are still very close to the best in the American Conference. I'd have to give the nod to the Titans at this point only because they could face the Colts at home and, hopefully, in crappy weather.
The Steelers, well, if after their bye they get the Colts, I wouldn't be surprised at all if Manning strafed them. Again, weather is the X factor, and looking back at how sometimes Manning struggled outdoors against the Pats, the Steelers ought to pray for cold and snow (and that Parker heals up).
Baltimore, Jets, Denver are pretty soft, Flacco may be playing well right now but come playoff time things get tight and you can't win with defense if you don't score. Favre's a fraud and Denver only now is showing signs they could stop a JV team from Hingham.
I'lll rate the Pats if they make the tournament. For now, the AFC champ is Indy or Pittsburgh; I just can't buy into Collins winning a really big game so Tenn is counted out in a title game.
In the NFC - it's official, the Panthers are on a mission. Carolina wrecks the replusive Giants in the title game ( but don't be surprised if the Cards beat the Gints in a shoot out to get AZ to the title game. Of course, the Cardinals would be rubbed out in minutes by the Panthers).
Carolina over Pitt in the SB. The Panthers over the Colts in a wild one if it's 50 degrees when the Colts play at the Ketchup Field and make it to THE BIG GAME.