No shit.
As of right now, it's obviously tough to predict whether or not he will play this season. If I had to put money on it, it looks like chances are slim of playing, though.
And if he sits out 2 seasons, he will have surely declined by the time he comes back. If he doesn't get cleared to play, I think retiring makes sense for him.
Those of you getting all wound up over speculations are funny. We are sports fans that post on message boards, read blogs, and play video games. This is part of your life. It has always has been and always will be because you are a slave to the money making machine that is the sport of football.