That's fair. Watson is mostly due to age, but I think he's finally good enough to lead them to the playoffs. However, they will decline soon with some contracts running out. I see Luck as 32 in football years because I believe he'd be rusty for a year. Just a guess though. I would take Watson too because I feel he's non injury-prone, and that's good for a long-term answer at QB. I would take Luck back in a heartbeat though as long as we didn't have to pay him anything if he retired again.
Like I posted, I can see the other 3 being rated higher but Watson has only 1 playoff win in his career, never has been to a championship game either. Luck has 4 playoff wins and has been to a championship game. Watson has never had a season where he has thrown for 40 TD's either, Luck has had one (2014) and in 2018 Luck had 39 - nearly 2. Luck outplayed Watson by a mile in their 2018 playoff matchup. So I disagree Watson is better, he is younger but not better. Luck is only 31 so it is not like he is old. Rodgers is even a lot older.