Let's see the Chargers beat a playoff-capable team (Steelers don't count, they are not playing like a playoff-capable team) before we even put them before Indy, Philly, Denver, Baltimore, New England, heck even Cinci, Atlanta, Seattle. I put them in the "who have you beat?" league of 3-1 teams like NO and St. Louis.
I'd go Chicago, Philly, Indy (yes they are undefeated, but they are going to have trouble in the winter months without a running game), then probably New England (unless Denver and/or Baltimore get their offenses producing). Could never believe much in Cinci, Atlanta or Seattle either, but I haven't seen enough to let past prejudices be put aside.