I don't think it's an understatement, but on paper Manchester city has the ability that might be above them. For example, if Inter Milan was in Manchester City's previous position against Munich, it wouldn't necessarily win, let alone Madrid. Look at the statistics, Manchester City can get rid of the two clubs.
I also don't underestimate Intermilan it's just that it's difficult for them to get a win against Manchester City, if you believe Guardiola will fail later to win the CL and the treble winner, then I will be happy to hear that because I believe the results will determine who will be the winner, my bet is on Manchester city for 3 - 0 , not sure Lukaku or the interim striker can penetrate the Manchester city defense.
It is pretty obvious that Manchester City is the huge favorite in the final of the CL this evening. I don't want sound disrespectful towards Inter Milan but the only reason why they are in the final of Champions League is the extreme luck they had during the draw for the quarterfinals. We basically had a bracket with all the favorites in it with clubs like ManCity, Real Madrid and Bayern Munich and then we had the other bracket with Inter Milan, AC Milan, Benfica and Napoli.
I think that if Inter would have been in the other bracket, then most likely their way would have ended in the quarterfinal already.
Still this is a final and only 1 game so with a bit of luck and good timing Inter Milan can still be dangerous to ManCity.