Often, I see on this board that HAL loves the wild card.
So I decided to see, based on my 13 teams.
I found that the team that was first overall won 5 of 13 championships, second overall won 3 (1 wild card), third overall three (2 wilds cards) and fourth overall 2 with 1 wild card winning.
So HAL doesn't love that wild card overall.
In terms of making the finals, the first place team made 8 of 13 finals, the second place team overall made 10 of 13 finals ( 1 wild card), the third place team made five of 13 (3 wild card) and the fourth place team made 3 of 13 finals (1 wild card). WIld card teams made 5 of 13. Here, HAL likes the wild card more than the fourth place finisher and as much as the third place finisher.
However, your chances of winning a final are best if you are the wild card. They made 5 finals winning 4. The first overall team is next best, making 8 and winning 5. If you are second overall, you'll get the 1 credit, but you only win three of the 10 finals you reach.
My conclusion is that the reason HAL does loves the wild card in the final. However, in most cases, it knocked the best team out in the first round. The 5 wild card finals saw a 3 beat a 2, a 2 beat a 3, a 4 beat a 2, and a 3 beat a 4. The final where the wild card lost saw a 2 beat a wild card 3. Out of the 5 finals, the higher finishing team, wild card or not, won three. That's pretty consistent with the overall numbers where the higher finishing team won 8 of the 13 finals.
So, while you can take heart if your wild card reaches the final, finishing 1st or second overall is more reason to celebrate.
By then way, 1st overall met 2nd overall 6 times with the 1st team winning 5 of these finals. Curiously, 1sts lost both finals where they did not meet 2nd, once to a 4 (not a wild card) and to a 3rd place finisher.