Chelsea vs PSG finals would not be a shocker. PSG and Real Madrid game will be the real questionable one, Real Madrid has been quite decent with Xabi and there aren't that many missing players. now their new defender is red carded so they are going to face that issue once again, and their defense was the issue all season long and could be the issue once again.
Chelsea vs PSG final is like the popular opinion but like you rightly said, it is not a good idea to assume that Real Madrid is a push over for PSG because Real Madrid is a good team and have demonstrated that in the few recent matches. If at the end of the day Madrid wins PSG, it will not come to me as so much shock because Madrid is capable of achieving that against PSG the European champion. Both teams have quality players, almost same grade of players so it will be a very big match to watch that day.