I simply don't understand what you meant by saying Man City should be avoided in the prediction of their game, I guess that's a mistake since they are the contention here. Regardless, I agree with the stance that the result of a match is not solely based on speculation of how one team is better than the other. If that is the case, you are suggesting that luck could happen, but I will still not be among the people that will rely on luck to speculate a match, particularly the one I so much have an interest in.
Manchester City are very strong and because of this, odds usually are not too good when you bet on Manchester City. Predictions for fun in your mind are easy, win or lose and mostly Manchester City win but if it goes to sports betting, you can lose with your bets even Manchester City win their matches. I guess that is reason the poster wrote about risk when you bet with Manchester City.
And one thing I will like you to hold is that Man City is not always irresponsible to be underestimating their opponents like many clubs do, go and check their history from about a decade ago. They will try their best even if you lose, and I believe that they own the cup in all ramifications except for luck, but I will not believe that luck will play out for Inter Milan this time, it's not a crime for Man City to hold the trophy for once.
Manchester City with Pep Guardiola management never underestimate their opponents but they sometimes want to try with modifications in their tactics and new positions for their players. Sometimes it works fine and they win but some more scarce times, it does not work and they lose or draw. If you bet with them in those lost or draw matches, you will lose money.