There's no way he's playing until he's 40 with his list of injuries. Torn cartilage in ribs, partially torn abdomen, lacerated kidney, torn labrum, calf ankle of some sort, and at least one concussion. The guy's already missed 26 games in his career. Guys like Tom Brady and Drew Brees who have stayed relatively healthy could aim for something like that, but Luck would never make it that long, at least not without the quality of his play dropping sharply and turning into an even more zombiefied version of 2015 Peyton Manning.
How did Luck get this beat up and yet Brady and Brees are still playing seemingly fine? My brother who's a Colts fan says the o line just did a terrible job protecting him...