I'd like to correct my own thread!
If recent rumors are to be believed than Marvel has decided how to fill their Spider-Man and X-Men holes.
It appears that Marvel wants to fill the Spider-Man vacancy with...well...Spider-Man. I suppose that is the most direct route, lol.
As to the X-Men the rumored Civil War storyline has provided the answer.  As Baron von Strucker says "It is the Age of Miracles". Since "Miracles" appears to be how the MCU will refer to superheroes, and since it appears that a "Miracle Registration Act" could play a role in a Civil War storyline, then it seems clear to me that Marvel is using the whole "mutant angle" and applying it to its own heroes.  So we are getting the outcast super powered heroes, hunted by the government, and fighting amongst each other to best continue their existence. Interesting, IMHO.
I still maintain that the Guardians are their FF surrogates.