There's not a lot can be added at this late stage, and I'll probably just be echoing what others have already written.
I still thought that Bayern might not be ready for this game, but was delighted with the win and the manner in which Bayern played the game. In contrast, Chelsea's defensive, sometimes dirty, game is not one I'd care to watch week after week. It was a deserved win, and could have been won by a better margin.
This game, coming on top of Bayern's other competitive games this season, left me beginning to wonder about Guardiola's attitude towards clean sheets; I think that it may not be quite so important to him as to some fans.
It is a numbers game. I once heard a salesman talk about this, saying that his sales run at around 40% of the number of calls he makes, so if he contacts ten companies he'll sell four machines, and if he works harder and contacts one hundred companies he'll sell forty machines. It is all that simple. I think Guardiola believes in something similar: if Bayern, like they did in the Chelsea game, have twice as much possession and twice as many shots on target, then they will win most games.
But they may let in a few high quality goals, generally from very fast perfectly executed counterattacks. That is a calculated risk. And the two goals from Chelsea demonstrate what might and what shouldn't happen. The first goal was a perfect counter, finished by a Torres who briefly resembled his best days of three or four years ago. It was a well-placed rocket of a shot, and scored without Torres breaking through the line of defenders. It would have gone in against many teams and many formations. It was one of those few acceptable goals that won't happen very often. The second goal was very different. Some credit must go to Hazard for a spot of individual brilliance, but he was helped along by the failings of three Bayern players - Lahm's rare misguided tackle, Boateng's not closing him down to block the shot, and Neuer's fumbling of a ball that was within reach. Those were three individual errors that were predominantly about concentration, and it was a goal that shouldn't be scored against Bayern in any formation.
4-1-4-1 (which morphs into and out of other formations, by the way) can be a very risky defence if it is played badly. If mastered, however, it will only leak the odd goal - generally from a fast counterattack with attackers outnumbering defenders, and from the occasional piece of bad luck. We could live with that.
So why was the game so close? Some credit must go to Chelsea's good defending, but it must still be acknowledged that poor Bayern finishing had a lot to do with it. Of nineteen Bayern shots on target only two went in, whereas of nine Chelsea shots on target two went in. The Chelsea ratio is more or less acceptable in the numbers game, while the Bayern ratio is not. Bayern should have scored around four goals. Much the same could be said about the number of Bayern shots off target; many of them should have been on target. Bayern have a finishing problem at the moment, and it isn't all the fault of Mandzukic, who had a good game and was denied a goal by some brilliant Cech saves, and who has scored in recent games. Collectively, the offensive players aren't as clinical as they were or as they need to be.
All said, when I look at the number of goals scored against Bayern and the number of chances wasted by Bayern, then, excluding the early season Dortmund game which distorts the picture, I would regard Bayern's finishing as a bigger problem than the defence. The defence and midfield needs to master 4-1-4-1 and individuals need to improve their concentration, but the offence needs to improve their shots-to-goals ratio, to make the whole thing work as it should.
"Wherever that man went, he went gratefully."
--------- Attributed to Seamus Heaney ---------