I agree that MIA has a tough schedule, but they're a tough team now. They have 2 solid, punishing RB's, a seasoned QB that doesn't turn the ball over, an improving "D" (Jason Taylor, Cameron Wake, & 2 drafted DB's), and are fundamentally sound. And they have fairly decent depth, so injuries won't derail them much.
KC is just awful. There's discontent on the team, Cassel is already hurt, a rookie HC will be calling all the plays on gameday, and their line is terrible on both sides of the ball. Their only bright spots currently are Bowe & LJ. OAK is improving, and DEN will always be tough to beat at Mile High. You talk about MIA having a hard schedule, KC's is murderous. They play SD twice, PIT & BAL, and the NFC East. I see KC winning 2 of the 5 games vs OAK, DEN, CLE, CIN & BUF.
I'm on KC under 6, and MIA to win the division, so one of us will win those. SEA o8 is your best bet IMO. But even SEA has major issues on the oline, which is important to keeping Hass on the field.
Just opinion, so I definitely wish you the BOL.