The odds are not balanced between Bayern Munich and Chelsea, so I wouldn't dare bet on Chelsea, especially since this is an away game for the Blues.
At the very least, Bayern Munich will be much better than Chelsea. Even though Chelsea won the Club World Cup, that doesn't mean they will win every game.
Just look at PSG, who won the UCL but didn't win the Club World Cup.
Chelsea's performance has been good recently, but there are doubts about how effective it will be against Bayern Munich. I also agree with you that Bayern Munich is much better than Chelsea.
Chelsea recently won the Club World Cup and they have been playing well in the matches recently. But ignoring Bayern Munich's performance would be a big mistake. Bayern Munich is undoubtedly the best team in their domestic league. It is not difficult for Chelsea to beat Bayern Munich at home, but it is almost impossible, although it sounds excessive, but it is true. If Chelsea can beat Bayern Munich at Bayern Munich's home ground, then it will not be wrong to say that Chelsea is going to win the Champions League.