I look at a lot more than their records They're pretty loaded on offense and -a great QB, good line, very good receivers (especially if Gates is healthy) and decent backs. They're well coached on offense. The defense isn't as impressive but it's solid at every level.
To dismiss the Chargers is foolish but I don't think they are quite as good as their record. They have not played really well yet this year but they do have the talent- much like us. I still expect to beat them.