I actually watch almost every game which is why I think chargers are overrated. The "experts" actually talk like you and think they have a viable super bowl chance whereas I can see them for what they are, that team that is not ready. You see a couple of them make the playoffs every year in the AFC and you always know they are going to lose to Steelers, Pats, Denver (when they had Manning) or a couple years ago even us. There are only a few teams that can REALLY make a run and that the Pats, Steelers and Ravens. Nobody else is capable of beating the Pats and Steelers and honestly I expect when Ravens get bumped it will be to one of those 2.
Also the Dolphins beat the Pats not because they cant in the playoffs but because the Dolphins match up well with the Pats and always have. Football is not a power ranking where you total your teams power vs there teams power, its a game of matchups.
For example the next time they play the Ravens can shift Humphrey onto Brown and probably keep him to around 100-125 yards receiving (a good performance but not what he did) and assuming Mosley's performance was an odd aberration (he really had his worst game of the year by far last week) the Ravens match up pretty well on defense with the Steelers. However, the loss of Shazier hurts them more than Jimmy hurts us because they literally do not have 1 player who can fill in for him and the ones they use all have weaknesses that can be exploited.
On a similar vein matchups are the sole reason Jax scares me. They can take away the Ravens strength on offense and exploit the weakness so its always painful to watch that game.