I know my question probably over-simplifies things. We may be seeing this debate live this year. The Colts having the great QB, and the RB is probably (going to be) above average. The Chargers have the great RB, and the QB is probably (going to be) above average. I think both defenses are pretty close as the Colts have improved this year. I think about which team I'd like the Dolphins to more closely emulate and I like the Chargers.
There is something about a team with a great QB (stat-wise) that has a hard time making it to the SB. Of course there are a few exception. Teams more like the Chargers seem to go, which is who I think will go this year.