I'll put you in the former rather than latter then, Dan.
But I have been on other forums and Luck does get criticised by some, most likely in the heat of the moment. The majority blame the staff though it's true.
Judging by the level of your wrath, I'm guessing you are still onboard the Colt's train?
Yeah the Panthers thing was obviously taking the piss. I criticise Luck a lot in the heat of the moment but anyone seriously suggesting he's overrated should be taken out back and shot.
I'm agreeing a little on that Luck is overrated, but that's only because they rate him at god-like level and you can't do that for a second season QB, championship titles and Super Bowl rings get you on that level. The staff, receivers and OL is entirely to blame on the massive cock ups that regularly seem to happen in Indy. Luck and the defense + Vinatieri is what's keeping the Colt on top in the AFC south division.
The defense? Not at all, our defense is crap outside of Robert Mathis - if not for him we'd be dead. The reason we're on top is because of how good we were on offense at the start of the season, when we still had Reggie Wayne. The reason we're still top is because the rest of the AFC South is even worse than us.