If both teams perform better and they do not meet in the quarter-final or semi-final, they will definitely meet in the final. So, it is very possible for both teams to meet in the final. The season that Chelsea won their last Champions League was a season almost everyone was expecting Real Madrid and Manchester City to play in the final, but in the semi-final, Real Madrid lost to Chelsea. At last, it was Manchester City and Chelsea that played in the final. But let’s see what will happen next season; maybe they will finally meet.
Just as many people were expecting Manchester City Vs Madrid in the UEFA Champions League final last season, and the draws changed the narrative, that might be how this season’s draw will be because draws are not predictable especially in the Champions League.
Draws used to favor some teams which is exactly the scenario you explain of Chelsea winning their second Champions League title, there were lucky and they used their opportunities well which they letter defeated Manchester City in the Champions league final.
In the next coming Champions League season, many teams need to be given attention because Madrid will hardly win the competition again next season, I am expecting Arsenal to do something on the next coming season.
Yeah of a truth, many people were expecting to see Real Madrid and Manchester City reach the final of the UEFA Champions League competition last season and I think they would've definitely reached the final if the knockout stages draw never made it impossible for the two teams to reach the final. The two teams were undoubtedly the best teams in the UEFA Champions League last season but in your other statement regarding Chelsea's second European Cup, I don't think they were lucky with the draw rather, Chelsea were just too good to stop in the 2020/21 season that they won the UEFA Champions League title.
Chelsea eliminated a big club like Real Madrid in the semi finals of the competition that very season before defeating a Pep Guardiola's Manchester City in the final. I don't think it was because of luck rather they actually deserved their win.