I think the wars he's been in have already caught up with Cotto. I think Arum will give him a big payday against Pacman next now that the Mayweather fight is delayed and that Manny wins. After that Cotto has another Michael Jennings-type fight and then gets another big payday with a Margarito rematch, or at least the biggest payday available at that point in his career. After that he should retire.