IMO you are. You are right, the team above would be competitive against most teams but not the top teams imo, the Liverpools, City Barcelona etc and generally those are the teams we have to beat to win trophies.
Yesterday Chelsea got behind our defence time and time again, on another day we would have conceded more goals. Son aside, that was pretty much the team you said could beat City in the final. Where they are in league at the moment relative to us is a spurious point given that we achieved that position with our star players being fit. Most neutral observers would say they, not us, are the team best equipped and most likely to challenge Liverpool for the title. So by that reasoning they are a level above us. Not a level above us when both our squads are fully fit. It's just we cannot replace our star players as easily as they can. Only the most myopic of Spurs fans would disagree that Liverpool and City are not on another level to us in terms of squad depth and overall quality. It's a credit to Poch's first class management that we are in touching distance of them in the league.
Even if we accept your view that we are a top team without Kane, a fit Dembele and Dele, that is not really borne out by yesterday'' game. 1-0 up from the first leg I still thought it would be a big ask to better Chelsea on their own ground. As it turned out we couldn't even hold them to a draw. This lack of defensive solidity with our top 2 central defenders playing and 2 defensive midfielders in front of them makes me question whether we are currently a top team. To beat City we would have to defend better than we did yesterday.
Don't confuse being a good side, better than most in the PL and embued with extra cojones by Poch with being a really top side. For me Kane, Dele and Eriksen and a fit Dembele type player are our unreplaceables and we also need a top drawer defensive midfielder/ centre back.
The funny thing is, I've never been one of those fans who is like we have the best x in the league or the best y in the league. In fact, my response has always been 'If you genuinely think Lloris is the best keeper in the league and our two cbs the best and our fbs amongst the best and Wanyama, Dembele and Dier amongst the best cms and Eriksen as good as De Bruyne apparently and Kane the best and Alli!...then how on earth have we not managed a single trophy? Not gone past the last 16 of the CL (or Europa) and not gotten any closer than 7 points to 1st? It doesn't make any sense.
So I'm not some blindly optimistic Spurs fan that thinks our team is amazing.
We've actually achieved that 3rd place despite far more injuries than any of our competing teams. And the team above is better than most of the teams I put above who have achieved upsets. Which is what I said, we would be underdogs.
But I'm sorry, nobody is going to convince me that a squad which has finished 3rd, 2nd, 3rd and now sits in 3rd is on a whole different level to a team which sits 5 points above us (even though they are clearly better than us, will finish above us and get beyond us in all 3 cups I'd imagine), just because ultimately, we'll have 2 injuries when we'd be in the final. Assuming things stay the same of course. Not sure you can include Dembele seeing as he's barely played for Spurs this season and more importantly, is now not a Spurs player at all.
Being a whole different level? League 2 Bradford knocking out multiple PL teams on the way to the final.
Not a whole different level? A Spurs team which, assuming no further injuries and Wanyama continues on the path, would go into the final with everyone other than Kane and Alli. Big misses but just 2 players out of a squad with a lot of talent.
I also don't agree that Liverpool are a different level to us squad wise fwiw. If Salah and Mane were injured and Firmino away on international duty, I don't think they'd be able to field an attack significantly better than the one we've been fielding. VVD and Allison have revolutionised their defence though, I would completely agree with that.
Also, not sure I'd take a one off game as proof of anything. People will all have their own reasons for why we fell at yet another semi-final (I'd personally argue we should have played much better, even taking injuries into account) but I actually don't think the performance was that different to the first leg, when we had everyone available.