I'm the biggest Rivers homer out there but time has caught up with him. He no longer has the quick out's that bailed him out earlier in his career. His funky release just doesn't have the push it used to. He will still have a good game here and there but I think his limitations put him in more of a back up role at this stage in his career if he wants to keep playing. He could Johny Unitas it with a team where he comes in deep in the playoffs and has a few good games but he's just not up for the week after week beatings anymore. As a chargers poster pointed out to me last year, he also puts more work on his offensive line and makes them look worse then they are. Not that he holds the ball post snap, it's his presnap reads that just force the offensive to stay down too long and wear themselves out before the ball is even snapped.
All that being said, I don't think the Colts are better with Jacoby. They need to make a move for a legitimate quarterback this off season.