Both of you guys are wrong IMO but we'll see. Carolina already has the advantage because they know they can beat SF on the road. Same with the Broncos. Both teams just have to execute again.
I will agree that SF/Carolina is the toughest pick of the week though, but Kaepernick is just too indecisive under pressure and doesn't protect the ball well enough (i.e. fumble prone) and he should have thrown a second pick last week that was dropped. I think Cam Newton is a more solid QB and the Panthers have a chip on their shoulder, especially saying they don't get any respect. For example:
You are looking at a Panthers team with a chip on their shoulder. Good luck SF.
My prediction is Seattle/Denver in the Super Bowl, with Seattle's D finally stopping Manning since they jam receivers so well at the line + their superlative pass rush. I don't see Carolina or SF winning at the Thunderdome. Nor do I see the Pats secondary being able to stop the Mann-Cannon.