In English conditions our chances against any SENA country in a one-off test (finals) are slim. So yeah, another choke might be on the cards. Not because we are weak but teams need some match practice to get used to the conditions. For SENA it's familiar conditions so it suits them more. The situation would be exactly the opposite if WTC finals are scheduled in the Subcontinent.
With the current Indian team, I doubt they could even secure a spot in the final but if the matches are played in home then its known that India can walk over the opponents and the opponents too blame that pitch is under prepared, for other tours the players are still very new and only very few played more than 10 matches in the current squad. If Indian team management don't want the Pujara and Rahane any more, then I doubt Indian batting lineup have experience to withstand seaming and bouncing conditions.