Yes, I finally have decided to give my prediction. And I've decided to vote my fears rather than my hopes.
I *hope* that Peyton Manning gets his Super Bowl Ring. So many great players have missed their chance--Dan Marino, Barry Sanders, Warren Moon, Tiki Barber. Manning deserves a shot at getting a ring, just like Elway and Favre did.
With that said...the weather could undo Manning's plans. If it is rainy and windy like the weather forecasters say it might be in Miami, that plays into the Bears hands. A sloppy, ground game where a single special teams play or defensive maneuver makes the difference is the sort of game that the Bears can and would win.
So let's go out on a limb and say that it will all break that way...and the Bears win 24-20.
NB: If the Bears do not keep Manning on his heels early, like, say, the Patriots did to the Rams and Kurt Warner a few years back, Manning will make them pay and pay badly. If the Colts can get to 30 points, they'll win this game.