I think this is a very good theory by Montauk. It seems every season has a development of one or two characters that come to head with Tony in the end. As pointed out by Montauk that could very well be Phil. I would like to throw in my 2 cents. What if this season ends with the whacking of John in prison and the final 8 is about Tony having to fend of Phil and NY? Side note: Carmela mentioning "we are so blessed" a lot.