The difference between the finals was that in 2003, Milan were a very good team and were as good as we were.
In 1998 we were by some distance the best team in the world, feared by everyone, to get beat by that fucking rubbish Madrid side. Who finished 5th in La Liga that year, was shambolic. Never ever got over that.
Benfica is three stars, they beat us last year. Chelsea is four stars and we are obviously not on their level. The five star sides make sense as well if you consider that Atletico has a lot of merit for reaching the final, plus they just beat Real as well.