It's really hard to say how good San Francisco is. Their best wins are over Dallas, Philly, and they've also beaten the Seahawks twice and the Rams once.
They've lost to Cleveland, Minnesota, Cinci, and the Raiders.
Like many I think their biggest question mark is QB. Excellent O-line and skill position players surround him...
They're certainly good enough to win the Super Bowl but not head and shoulders above other top teams.
I would lean towards the Bills beating them in the Super Bowl just because how could you pick Brock Purdy over Josh Allen?