Chelsea would have won if it were not for the "lets defend our one goal advantage, Barca won't score anyway" mentality. Chelsea easily could have extended their lead with 1 or 2 goals if they had been willing to continue pushing.
It's true that the referee made a lot of ef ups, including the red card mind you, but Chelsea have themselves to blame as well.
Agree with that. In the end Chelsea was extremely unlucky to receive a goal in the 93rd minute, but that was the risk they were willing to take. If that wouldn't have happened everybody'd be talking about Hiddink's brilliant tactical concept.
Whether the ref was bad or not depends probably on the colour of the shirt you're wearing. Here in Spain of course we all agree that it indeed shouldn't have been penalties as it was both times (according to us

So indeed Chelsea was a lot tougher than ManU, although it must be said that in the final until Eto'o's goal Barça looked really bad and unconcentrated and I thought we'd never get into the game. What a difference a goal makes!