That's why I said you didn't want me to chime in, because you basically know what I'm going to say. But since you're close I'll instead attack it both ways, from the way I'd set it, and from the way you attack it.
First, you're right, I'm going to say that -7 is the right number. Were this game in the middle of the year, that's not what it would be. But SBs are all about key numbers to maximize betting. Really, there are three different NFL seasons as far as betting. There's pre-season, which people tend to attack like the regular season, which is a mistake. Then there's the regular season. And finally there's the SB.
As you know, the SB isn't about equal action, but rather it's about volume. It's about getting every man, woman and kid with a fake ID who walks into the casino to stop by the sports book whether they wanted to or not and drop $20, $50, or $100 into the pot. So it's always going to be a key number, that's what makes it easily accessible.
With that said, you only had two realistic choices, -3 and -7 and I was one of those who said before Sunday that no matter who went from the AFC it would be -7. It has to be, if those are your choices, which I could go more into, but you already get that.
Now, from your perspective, I agree with you.
You're getting an Indy team outside of the dome, laying a TD, something which the way they finished the regular season suggests is far too much. If this game were anything but the SB, you'd probably make the Colts a -4.5, maybe even a -3.5 and that's only because it would be outside on a neutral field. At Soldier Field this game would be right around a PK. So, yes, there is value in the Bears.
However, even though this may be a bad line, the problem with that is that bad lines get covered too sometimes. And, situationally, I think this game sets up very well for the Colts.
Will I be laying the seven, no. I have the ML, and if I take anything it will be a small piece of 6.5 and/or maybe some of the Bears at 7.5 to try for the middle.
But, like I said, though I agree with you where the value lies, that value is only enough to get me not to lay the points, not enough to get me to go the other way simply because of what I see in both Indy and Chicago.