Not to overglorify the Grossman effect (afterall, he could get knocked out for the next 12 months in the first quarter ... talk about a man o' glass), but the Bears have a much more opportunistic offense with Grossman in there. Moose Mohammed suddenly becomes a factor. It's not a huge difference, but it's enough -- especially with Thomas Jones playing as he has this season. And remember the old saying: defense wins championships. (Trent Dilfer, anyone?!)
But I don't think the Panthers are going to be pushovers. Should be a tough, tight match. Bears lack the playoff experience, IMO, so I might give the edge to the Panthers as well (not that they are loaded with playoff success either, but...)
It's still looking like Seattle, Indianapolis, and you can never exclude the Patriots when it comes down to prime time, of course. In fact, I'll pick a Seattle-New England Super Bowl with New England to win, surprisingly.
Pittsburgh and Washington are also playing very well (and the Redskins' record is deceiving, given their competition this season), but they're not there yet.
Btw, this is my all-time favorite weekend for the NFL. It's as good as it gets. Best games, best atmosphere, etc. The conference championships are great, but the competition is different and there are fewer games. And the Super Bowl? That's a complete joke of course -- just this shy of being the Pro Bowl with a better trophy.