Know what the biggest problem is with hindsight? You can't do anything about it.
I agree with you that Fitz is doing great, but I wouldn't be opposed to grabbing a QB like Luck for the future. The guy would most likely be sidelined watching/learning next season anyways. The problem is, as you said, some rookie qbs draft high and bust early. But you have absolutely no way of knowing whether that would be the case. In the case of Russell, I doubt anyone seen the bust that would be. Look at the Mannings and the things they have done?
Do you have any idea whether Luck will be a Russell or a Manning? I sure don't but the gamble would be worth the effort considering what an elite QB will do for a team.
That having been said, I love Fitz. I love the way he plays, the way he talks and the guts he shows every week.
Though during the draft, come our turn, he'll be at home saying to his family...."Should we stand up for this one?"