The Bayern Munich captain has admitted that it would be "awful" to lose the Champions League final at the Allianz Arena but insists they have more belief after their 2010 loss.
Chelsea will travel to Munich to face Bayern in the Champions League final without the England center back, who is suspended having seen red for an off-the-ball incident in the second leg of the Blues' tie against the Catalan side.
Lahm did not believe Bayern was at an advantage due to Terry's suspension, however, pointing to the absence of three of his own teammates.
"Would I describe it as irresponsible? Let's just say I would never have done something like that," Lahm told reporters. "It simply wouldn't have happened to me. Why? Because as captain, I do everything for my team. That would have harmed them and I would not allow that to happen.
"But that's down to him. Our only focus is on winning and we are not too interested in who might be playing for Chelsea or who might not be.
"I wouldn't say it is an advantage for us that Chelsea will be without their captain. I think the players who are missing from both sides will even themselves out.
"We are missing players who have been key to us reaching the final, like Holger Badstuber, Luiz Gustavo and David Alaba, so we have suffered as well."
Lahm admitted that it would be a relief to be able to leave Munich to join up with the Germany squad for Euro 2012 if Bayern was to suffer defeat at the Allianz Arena, their home stadium, on Saturday.
"Lose it in my house? That would be awful for all of us, but me in particular," Lahm said. "I'm from Munich. I was born here in this town. As well as a Bayern player, I am a supporter and I know what it means to everyone connected with the club.
"I would have to think about locking myself away if it wasn't for the fact that the national squad fly out to the European Championship straight after the final. Thank goodness for that. But I'm confident I wouldn't have that problem, anyway. We are only thinking about winning."
The fullback believes that Bayern's defeat at the hands of Inter Milan in the 2010 final will stand it in good stead and has played a large part in its preparation to face Chelsea.
Bayern is a stronger team for the experience, Lahm added, praising coach Jupp Heynckes for improving the team defensively.
"What happened two years ago, when we lost the final to Inter Milan, has had a big influence on the way we have prepared," Lahm revealed. "A lot of players are still here and we all remember what we went through.
"A team grows through defeats and setbacks. We didn't have the same belief then. Now we have a strong belief that this can be our year, our trophy.
"I think we're more experienced now. I think the belief is bigger now than it was two years ago. And what our coach, Jupp Heynckes, has done with us is get a much better grip on the mix between offensive and defensive styles.
"That showed in the Bundesliga, where we've only conceded 22 goals [in 34 games]. All that will make a big difference."
"We'll see in the final. We're further up in the Bundesliga than Chelsea are in the Premier League, but they're in the Champions League final, like us."
Chelsea will play in the Europa League next season if it fails to win on Saturday, having fallen to sixth place in the Premier League, and Lahm did not anticipate the Blues enjoying the experience.
"It would be very bad," Lahm opined. "Very bad. In 2007, we were fourth and only in the Europa League, and that felt very bad.
"Chelsea is comparable to Bayern Munich. We're both always used to playing in the Champions League so, if you're thrown into the Europa League, that's bad.
"It's difficult. We played against Getafe in the quarterfinals of the Europa League that year. Normally, I'd go to Madrid to play against Real at that stage of the year. That's the difference. It's not easy to get used to."
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