While I appreciate the effort, too much homerism here--overvaluing the Niners while undervaluing other teams.
Patriots and Packers will be better than 12-4.
Cardinals will certainly be better than 3-13. Remember, they have a solid defense and went 6-2 with Skelton in the 2nd half of the season.
Niners probably finish 10-6, maybe 11-5, but still good enough to win the West. Sorry, but they're going to lose at GB, NO, and NE; going to Seattle is tough and they lost at AZ last year. Plus a few tough home games.
As much as Id love to see them in the Super Bowl, without at least a #2 seed (meaning a home game in the divisional round), they're not going. Probably not winning at NO or GB.
On the plus side, I do agree with all your division winners and would love to see Houston in the dance!